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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (c) Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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    • 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.

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      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
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Motor insurance with criminal conviction


Blackcat13
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Hi all, I was wondering if you could help. 
I got convicted of fraud in October for using my dads blue badge when I shouldn’t have and I’m really struggling to find car insurance I can afford   and it’s due for renewal in a few weeks. 
many help would be appreciated. 
 

 

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You'll need to use a specialist insurance broker and not rely on online price comparison sites. 

 

There's a national charity called Unlock that helps people with criminal convictions. One part of their website deals with motor insurance and has a list of specialist brokers who may be able to help.

 

UNLOCK.ORG.UK

Background We have been developing access to fair insurance for people with convictions since 2000. Since then we have worked hard to make it...

 

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@Blackcat13Just to save people having to read through the 9 pages of your previous thread I'll summarise what happened.

 

On 13th October 2022 you were convicted in the magistrates court of fraud under s1 and s2 of the Fraud Act 2006. The conviction was because you used a Blue Badge [BB] to park in a disabled parking bay in a council car park but it was not your BB and you were not authorised to use it. By using the BB you fraudulently obtained free parking that were not entitled to. You were not charged with having stolen the BB. It had been issued to your late father and should have been returned to the council after his death but in fact was still in your possession.

 

You pleaded Guilty and were fined.

 

How much was the Fine please? Was any other sanction imposed? Costs and Victim Surcharge presumably. Anything else?

 

Do you have any other motoring or non-motoring convictions? Do you have any points on your licence?

 

Knowing the answer to these questions will help people advise you.

 

 

 

 

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I would suggest contacting large brokers.  

 

e.g., Adrian Flux or A-Plan or Towergate.  Or find a brokers local to you.

 

You could call BIBA on 03709501790 to find a local brokers.  BIBA is the brokers association helpline.

 

On the Unlock website, it lists Direct Line, Churchill and Privilege Insurance.  Whilst these Insurance companies don't ask declaration questions regarding criminal convictions, I seem to remember that one of the eligibility criteria for being able to take out Insurance with these companies, is that the person taking out Insurance does not have any unspent criminal convictions.  Therefore do not take out Insurance with these companies, unless you have phoned them to check whether they can Insure you.

We could do with some help from you.

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Appears Direct Line might consider offering cover ?. See link (care, under car and driver criminal convictions not mentioned, but under occupants convictions is an issue.  Select Premier appears to be combined Home and Car Insurance, so convictions a problem for Home Insurance occupants, but not for drivers of car)

 

Before arranging any Insurance, if you are unsure about whether convictions are an issue affecting Insurance always check with the Insurance company.

 

https://www.directline.com/select-premier/assumptions

We could do with some help from you.

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  • You or any person living with you or covered under this policy have never been convicted of and/or charged with any offence (other than motoring convictions and/or any convictions spent under the Rehabilitation of Offenders Act) and do not have any prosecutions pending
     

That’s what direct line says 

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5 hours ago, Blackcat13 said:

It was just a fine of £400 ish can’t remember the exact amount that was including  costs and victim surcharge.

I have no points or motoring convictions 

 

6 hours ago, Ethel Street said:

@Blackcat13Just to save people having to read through the 9 pages of your previous thread I'll summarise what happened.

 

On 13th October 2022 you were convicted in the magistrates court of fraud under s1 and s2 of the Fraud Act 2006. The conviction was because you used a Blue Badge [BB] to park in a disabled parking bay in a council car park but it was not your BB and you were not authorised to use it. By using the BB you fraudulently obtained free parking that were not entitled to. You were not charged with having stolen the BB. It had been issued to your late father and should have been returned to the council after his death but in fact was still in your possession.

 

You pleaded Guilty and were fined.

 

How much was the Fine please? Was any other sanction imposed? Costs and Victim Surcharge presumably. Anything else?

 

Do you have any other motoring or non-motoring convictions? Do you have any points on your licence?

 

Knowing the answer to these questions will help people advise you.

 

 

the key here is too answer these questions...

 

BB Fraud is not classed as a motoring conviction.

 

 

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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 have amended previous post re Direct Line. They have many different policies, so the previous link was only to one product. The convictions bit was under occupants which related to Home Insurance part. Under car and drivers, the convictions exclusion is not mentioned.

 

You would need to clarify with Direct Line.

 

You will need to speak to Insurers or Brokers. They will want exact information on the conviction. And yes ask current company.

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We could do with some help from you.

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I have just contacted direct line and they do not need to be notified of criminal convictions

 

You will not be able to declare that. Please do not add it as we do not need information for such crimes.
 
 
Vaibhav
 at 9:00, Feb 5:
Please be assured!
 
 
You
 at 9:01, Feb 5:
 
 
But it is a criminal convictionRead
Vaibhav
 at 9:01, Feb 5:
We only record motoring and motoring criminal convictions.
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You needed to tell your current Insurers as soon as you were aware of the conviction. By not telling them within reasonable time, you could be invalidating current Insurance.

 

The current Insurers may cancel your policy or charge an additional premium.

 

You don't have any choice but to tell current Insurers.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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So you are OK getting Insurance with Direct Line if the premium is affordable.

 

Sounds like you are in a position of getting quotes based on all information and going with best option from the renewal date.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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3. Pleasetelluswhenyourenewyourinsuranceif:
any information shown on the Motor Proposal Confirmation is incorrect
you or any driver on your policy have had any accidents, incidents, thefts, losses or claims (regardless of blame)
youoranydriveronyourpolicyhavehadanymotoringconvictionsorendorsementsduringtheperiodof insurance or received notice of any pending prosecutions
y you or any driver have any unspent non-motoring convictions or if a non-motoring conviction you have previously told us about has become spent under the Rehabilitation of Offenders Act 1974.

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So if that is stated in policy documents, then you tell them before renewal, so they can decide whether to offer renewal and what premium.

 

Some Insurers want the information during the policy year and not just at renewal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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If they only need the info from renewal, the policy would be cancelled from renewal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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