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    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
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My car slid in the snow, scuffing another car, no damage, someone told my insurance company..- now my NCD/ins renewal has been refused!!


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Back in Dec 2021 near new year, my car slid down a little snow, and just touched the other car within a hair width leaving some light scuff marks, he told his insurance but said it was nothing and he would deal, the person even messaged me to confirm and I still have the text. It was literally some light scrapes.. 

 

My insurance co even said at the time all is fine and they have moved on. 

 

I got an email saying they can not renew my claim, I was dumbfounded as I had done nothing wrong. I then looked at the policy end notice and it said"

 

NCD: 0 

 

They have said "the claim is notification only, however we have to wait 6 months to make sure no 3rd party comes in"   - This is madness, I have proof that the "3rd party" is not "going in"...

 

What am I meant to do here now? Just not drive for 6 months or start my NCD all over again and lose 3 years worth of savings?

 

Or can I still use my NCD bonus despite them robbing me of it???

 

Just more proof the the insurance industry is unregulated and run by mobsters!!!! 

 

this world is screwed!!!

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I'm not fully clear on what has happened.

 

When was the renewal date of your policy? Is your insurer saying that they will not renew your policy? If so have they explained why?

 

The answer to "Or can I still use my NCD bonus despite them robbing me of it???" is No. The only thing another insurer will accept is what your last insurer say is your NCD on the renewal notice. You have no other way of evidencing 3 years NCD.

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My renewal was coming up for June... I had an email 1 week or so ago saying something like "at this time we can't renew your policy" of which I of course emailed back to ask why as nothing had changed and there had been no claims... which there has not... I then noticed on the email that it said 0 NO CLAIMS. 

I have proof from the person saying he is not making a claim and that he agreed there was minimal damage if any at all... 

 

This is absolutely wrong! Seriously how can they even attempt this?!

 

 

Edited by Ethel Street
No need to quote previous post
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The refusal to renew is a more serious problem for you than the NCD right now. When getting quotes you will always be asked if an insurer has ever cancelled or refused to renew a policy and you will have to answer 'Yes'. The likely consequence of that is many insurers will refuse to quote, or will quote high premiums.

 

From the information in your post I can't understand why your insurer is refusing to renew. You need to call them and try to get to the bottom of this. Tell them that refusal to renew is putting you in an impossible position with finding alternative insurance. Even if the incident had resulted in a claim against and your insurer paying it the amount would have been very small. Insurers don't normally refuse to renew if there has just been one small accident. [EDIT just seen the link to your previous thread. I will read it, that may explain insurer's attitude]

 

Do you have a prior history of accidents and convictions and your insurer is treating this as the 'last straw'?

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the other thread i post explains it all ...

the OP was told what to do then to prevent this situation happening by CAG in the future but appears to have ignored our advice?

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I did everything asked previously. 

 

33 minutes ago, Ethel Street said:

The refusal to renew is a more serious problem for you than the NCD right now. When getting quotes you will always be asked if an insurer has ever cancelled or refused to renew a policy and you will have to answer 'Yes'. The likely consequence of that is many insurers will refuse to quote, or will quote high premiums.

 

From the information in your post I can't understand why your insurer is refusing to renew. You need to call them and try to get to the bottom of this. Tell them that refusal to renew is putting you in an impossible position with finding alternative insurance. Even if the incident had resulted in a claim against and your insurer paying it the amount would have been very small. Insurers don't normally refuse to renew if there has just been one small accident.

 

Do you have a prior history of accidents and convictions and your insurer is treating this as the 'last straw'?

 

No no history, no claims ever nothing. 

Yes I do not understand either..

 

THERE WAS NO CLAIM.... They are saying it is "notification only" - I can't see how this gives them the right to absolutely screw me over... Am I dealing with someone with no experience here (the insurers - like is it a new trainee or something?! - Cause it does not make sense)!

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  • dx100uk changed the title to My car slid in the snow, scuffing another car, no damage, someone told my insurance company..- now my NCD/ins renewal has been refused!!

threads merged.

 

so why did you not follow this up in december when you sent your ins co the pictures?

did you just leave it and not chase result?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I spoke with them on live chat and they told me it was sorted and i had nothing to worry about. 

 

Edited by dx100uk
unnecessary previous post quote removed
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On January 4th insurer told you they considered you may be in breach of policy condition for failure to report an incident [my emphasis].  I guess that is why they are now refusing to renew the policy.

 

"...we have been notified by a third party that your vehicle was involved in an accident on 00/00/00.

You have not notified us of this claim and therefore you may be in breach of the conditions of your policy.

We need to investigate further before we can decide whether we can deal with the claim, until we let you know in writing nothing said or done or anyone acting for us should be understood as confirming our position. "

 

You sent them the photos they asked for on January 9th.  There were no further updates posted after that. What has happened since January 9th?

 

The non-renewal is the big problem for you. The NCD issue will solve itself - if there is no claim after 6 months it should be reinstated.

 

Concentrate on getting the insurer to offer you renewal.

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I spoke with them on live chat, and they confirmed to me it has ben resolved and that is it... Nothing more happened. 

Edited by dx100uk
unnecessary previous post quote removed
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On what date?

 

Did you keep a copy of the Live Chat conversation?  You usually have the option to download the conversation. Post up the text here please (personal identifiers removed).

 

Did they ever send you anything else about the incident? Or anything else at all before you got the email (a week ago?)  telling you they wouldn't renew?

 

Please post the text of the email here as well.

 

Who is the insurer?

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I have just got through on phone to claims... they agreed it was an automated email that decded to strip my ncb.... I have sent screen grab of the text messages I had with person where he stated he is not making a claim at all... They said they will update it on their claims file and that someone will get in touch next week to see about getting my ncb back and possible continuation of policy.. 

Nothing more can be done now. 

 

Thanks for everyone help.

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:cheer2:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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@mrk123  Sounds like progress. Bear in mind that typically the claims deprtment decides about NCD but it's up to the (separate) underwriting department whether to renew and at what £££.

 

If it helps, if I were discussing this with the insurer I would be stressing these points.

 

1. The incident occurred on December 29th 2021, you notified them when you got their text January 4th 2022. That's a time period of only 3 working days (2 if you don't count New Years Eve as a working day). 

 

2. You had taken photos at the time for insurers to provide them with information they would need. That is evidence of your intention to report the incident at the earliest practicable opportunity.

 

3. The accident was trivial, minor dent/scratch to bumper. It was not a moving traffic accident (ie neither car was being driven) and no-one was injured

 

4. You provided information about it to the police [on the day of the accident(?)] to ensure an independent report on the circumstances  was available to insurers

 

5. Since your initial report to insurers on January 4th you have provided them with everything they have requested promptly. You note that since January 4th they have not sought any further information or carried out any investigations so they presumably had all the information they needed by that date, less than a week after the accident.

 

6. In consequence of the above the insurers have not been prejudiced or disadvantaged in any way  in their ability to deal with any claim if one had come in. And no claim has come in.

 

Good luck. FWIW insurers non-renewal decision seems very harsh in the circumstances so hopefully when you get to discuss it with a real human being decision maker all will be well. I suspect that if you had to make a complaint to the Insurance Ombudsman/FOS your insurer would find it hard to demonstrate that non-renewing your policy was 'treating the customer fairly'.

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  • AndyOrch changed the title to My car slid in the snow, scuffing another car, no damage, someone told my insurance company..- now my NCD/ins renewal has been refused!!
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