Jump to content


  • Tweets

  • Posts

    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
    • whyisthis - Oh bless ya, it's so easily done.  Not worth losing sleep over; listen to the guys here, they know their stuff.  They won't take you to court, they'd get laughed out of it x
    • Monk - you are an experienced and respected member of this forum. Surely you realise how vitally important it is to respect court deadlines. There was no lack of knowledge.  You knew the deadline date.  You calculated it yourself in post 5.  It was written on the claimform.  Defence deadlines are written on probably a thousand threads on the forum. Sorry, but if you're up for a legal fight you also have to be up for organising yourself properly. As for now - 1.  pay it within 30 days and the CCJ disappears, or 2.  don't pay, nothing "legal" will happen, but you'll have a CCJ for six years.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

@SwintonGroup - deny deny deny - Insurance Mistake - ***Won***


Foxy100474
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1564 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,
I need so advise please,

i purchased a new vehicle in November and transferred my existing car insurance policy to the new vehicle,

just before Christmas i was rear ended by somebody on my way home,

the third party accepted all responsibility and her insurance agreed to complete all repairs to my vehicle (£7000).

Today i received a email from them stating they would no longer be willing to do this as my vehicle was uninsured!!!


I have rung my insurance company to enquire why this is as all my payments have been made and are up to date!

It turns out that when i altered the policy to the new vehicle online the last 2 letters were typed in the wrong way round,

 

as this was clearly not done maliciously i thought that they would honour the policy but they have informed me that they cannot do that hence meaning i was not insured at the time of the accident!!!

Is this correct?

is there anyone i can contact who would know??

Link to post
Share on other sites

Thanks for your response Bankfodder, I'm not sure where i stand with this though as it was myself that inputted the details online incorrectly. Also its not even my insurance company (SWINTON) that would be paying out, the third party was willing to cover everything!

 

All i needed to do was prove i was insured, which as far as i was aware i was!

Swinton had been taking my payments and even started to process my claim before the third party agreed to accept responsibility!

 

I've also been told about the consumer insurance act 2013, this states that if the misinformation to the insurance company was neither intentional or reckless and it was just careless, that the insurance company should honour the insurance and issue a letter of indemnity for the time of the incident!

 

Again i dont know if this is correct or not

  • Like 1
Link to post
Share on other sites

unclebulgaria67

The make and model, engine size and year are all exactly the same, when i spoke to Swinton all the did was change the letters around and send me a updated insurance certificate, no change to the cost or change of any other vehicle details!

What do i do now? 

what do i need to say to Swinton?

Link to post
Share on other sites

 

This is what i plan on sending to Swinton, does this seem ok or do i need to add anything else?

 

Quote

 

         I am writing to you to complain about a decision made by your company that i believe is incorrect!
 
I purchased a new vehicle in November and transferred my existing car insurance policy to the new vehicle, just before Christmas i was rear ended by somebody on my way home, the third party accepted all responsibility and her insurance agreed to cover all cost arising from the accident.
I have since received a email from them stating they would no longer be willing to do this as my vehicle was uninsured!!!
 
It turns out that when i altered the policy to the new vehicle online the last 2 letters were typed in the wrong way round, as this was clearly not done maliciously i thought that you would honour the policy but i have informed now been that you cannot do that hence meaning i was not insured at the time of the accident!
 
All payments have been taken by Swinton and the vehicle make, model, age and engine size is exactly the same.  Furthermore, my inadvertent technical error has in no way affected the risk.
I have since sought advice on this matter and have been informed that is not the case at all.
 
If the registration error has not affected the risk – and clearly it is unlikely to have done so in the case of an accident, then you have no basis for denying liability.
It would be scarcely believable that the fact that i had incorrectly entered my registration details could be the cause of the accident.
 
Also the the consumer insurance act 2013 states that if the misinformation to the insurance company was neither intentional or reckless and it was just careless, that the insurance company should honour the insurance and issue a letter of indemnity for the time of the incident! 
 
I will be also be contacting MID, so as to confirm that the database can be corrected by the Underwriters.
 
I would remind you that under the FCA regulations Swinton are required to treat me fairly and in my case you do not deny liability on the basis of some administrative defect.

 

 
Link to post
Share on other sites

I found this on a RAC forum dated 2016.

Quote

 

About 2 weeks ago I was pulled over by the police for having no Insurance, I was shocked at the time as I've been driving for 20 years and never driven without insurance. Anyway after a difficult half hour in the back of a police car my vehicle was seized and I was told I would be fined £300 and given 6 penalty points. I couldn't understand what had gone wrong until I returned home and realised my mistake. My wife and I have 2 cars, both Peugeot's with registrations that both begin with the same 4 letters and numbers. In January I received my renewal and as it had increased slightly so I decided to switch insurance companies, problem was I insured the wrong car leaving one car with 2 policies and the other with none. I appreciate this was my mistake and I would have been happy to pay the fine but I was worried about the points, due to the nature of my work I was worried a motoring offence of this nature might affect future work. So in a desperate attempt for help I was googling around trying to find any answers, when I happened across a thread on the RAC forum from 2 years ago where somebody had experienced the exact same situation. As I read down the thread there was a member called 'dacouch' who explained that the Consumer Insurance Act of 2013 states that if the misinformation to the insurance company was neither intentional or reckless and it was just careless, that the Insurance company should honour the insurance and issue a letter of indemnity for the time of the incident. Dacouch even went on to explain exactly what to say to the Insurance company. So after a week of 'discussions' with the Insurance company they agreed to send me the letter of indemnity. I then sent this to the CPU who have issued me with a letter today to say they will no longer be pursuing the matter! 

 

 

 

BankFodder, thanks for your input, i will wait for Unclebulgaria to cast his eye over it before i send it. 

  • Like 1
Link to post
Share on other sites

just received this after putting a comment on Swintons FB page regarding there rubbish customer service!

You'll receive a letter in 5 days’ time confirming that your complaint has been escalated. The letter will also give you contact details of who to call in relation to your complaint, should you wish to call. However, our Complaint Handler is also likely to call you to learn more about your situation and the impact it has had. We have up to 8 weeks to investigate your complaint but aim to get back to you quicker. We'll respond to you in writing about how we are going to resolve it. 

Link to post
Share on other sites

Hi All,

           So heres an update, after still hearing nothing at all from Swinton today i rang their complaints department, Guess what! nothing on record at all about the email i sent to Carol Banks the head of their complaints department! I was told because she was the head of complaints she wouldn't look at complaints!!!! I then told them that i was astounded that she hadn't even passed it on to a member of her department to deal with! I was basically told that a complaint had now been raised and i would hear back within 8weeks!!!

I really am lost for words.

I was also fobbed off by the third parties insurance saying until they were provided with proof of insurance they would not be able to look into my claim.

What a waste of time!!!

 

Link to post
Share on other sites

Unfortunately not, i have been unable to purchase a recorder due to work commitments and needed to make the call during office hours which again is hard for me due to restrictions using a phone in my workplace.

 

Link to post
Share on other sites

This is were my whole problem stands at the moment! It’s swinton im fighting with to accept they need to cover me from the change over of vehicles rather than them telling me I wasn’t insured due to the error!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...