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By Ethel Street · Posted
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. -
By lookinforinfo · Posted
When you moved address did you advise the DVLA of the change. In your defence you can also say that both the BPA and the IPC do not not have compliant Codes of Conduct. They are in breach of the Law in two ways at least which has been confirmed by the new Private Parking Code of Practice introduced by the Government earlier this year which clarifies the position that has always existed on the Protection of Freedoms Act 2012 but ignored by most parking companies as well as the BPA and IPC. The first on is the charging of extra debt collection/ administrative costs etc over and above £100. This has always been the case . Schedule 4 s4[5] states "(5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 8(2)(c) or (d) or, as the case may be, 9(2)(d) (less any payments towards the unpaid parking charges which are received after the time so specified). Yet time and again the parking companies add sums to that figure that have been described by one Minister as a "rip off" and the Private Parking Code of Practice s9 states 9. Escalation of costs The parking operator must not levy additional costs over and above the level of a parking charge or parking tariff as originally issued. So even back in 2017 the charges were unlawful and on that basis the PCN should have been cancelled as an abuse of process. The second point is that most parking companies are breaking the Law by using the ANPR camera that records the entrance and leaving of the car as the "period of Parking" on their Notice to Keeper which is necessary to comply with PoFA 2012. It is obvious that a car is not parked as it is driving within the car looking for a space, then parking in it and then leaving the car park should be not included in the ANPR times. In addition if there are disabled people in the car or children in car seats this can all add to the time. So given that there is a minimum of 10 minutes "consideration time" it is more than probable that the parking period was complied with and that the case should never have been taken to Court. It also means that the keeper's GDPR was breached. That should be part of your defence. You could add that even now DCBL still have no idea whether they were pursuing the keeper or the driver. And of course if you do not know that there is a case against you, it is rather disingenuous to expect one to respond. If it ever gets to you having to file a WS then failing to provide the contract with the landowner is a must. A WS is insufficient. -
type in snotty+letter in our search you are not at the court stage and might not ever be, so no need to CPR that's for court. yes estates can be fun, and time consuming but at least it puts you in good stead if these fleecer go legal. it would be a walk in the park for you.
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Hi, I will have a look at my credit file tonight when I get in from work.
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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.
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