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bama
Posted on: Today, 14:42


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exactly what case law are they quoting ? ?
  Forum: The Flame Pit · Post Preview: #1401059 · Replies: 18 · Views: 324

bama
Posted on: Sat, 14 Jul 2018 - 22:01


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QUOTE
The driver made an appeal to APOCA


really ? ?
or did acpoa lie about knowing who the driver was
  Forum: Private Parking Tickets & Clamping · Post Preview: #1399083 · Replies: 13 · Views: 458

bama
Posted on: Tue, 3 Jul 2018 - 19:40


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QUOTE
Box 3
Please tell us about any circumstances surrounding the breach that you feel we have not taken into account.



ROFL
Do people fall for that screamingly obvious 'and when did you stop beating your wife' claptrap
  Forum: Speeding and other Criminal Offences · Post Preview: #1395848 · Replies: 25 · Views: 3,395

bama
Posted on: Mon, 25 Jun 2018 - 22:59


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QUOTE
The parking company’s principal is the freeholder.

Who is the principal of the Managing Agent ?
Am struggling to think who it can be as the MA has the Freehold
  Forum: Private Parking Tickets & Clamping · Post Preview: #1393771 · Replies: 145 · Views: 7,026

bama
Posted on: Sat, 23 Jun 2018 - 13:48


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QUOTE
That is correct the freeholder is also the managing agent.


then who is the Principal ?
  Forum: Private Parking Tickets & Clamping · Post Preview: #1393140 · Replies: 145 · Views: 7,026

bama
Posted on: Mon, 11 Jun 2018 - 11:20


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Do they do Declarative Judgments in haggis land ?

would that be an easier/cheaper/less risky way to put Bogy's question before the bench in big boys court ?
  Forum: The Flame Pit · Post Preview: #1389435 · Replies: 60 · Views: 1,326

bama
Posted on: Sat, 9 Jun 2018 - 14:24


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Bogsy was all over the towing regs some time ago.
worth a look IMO
I don't have a link - apols.
  Forum: The Flame Pit · Post Preview: #1388968 · Replies: 60 · Views: 1,326

bama
Posted on: Fri, 25 May 2018 - 15:35


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because it conflicts with the evidence of a believeable but mistaken witness (or the person making the allegation) would be one obvious way.
Conflict/ disagreement/who is lying or mistaken - police investigate.

Do not relieve the claimaint/accuser of their burden. And for sure don't say anything that could disagree with the details of the complaint - and as the complaint has not been seen then offering any unasked for facts is foolhardy.
the complaint must allege something 'bad' - how bad know one knows.
if the Bib have enough evidence already then they can bring a charge, if not then don't open any doors.
never play 'he said - she said'
'he siad - silence. thats all we got' is better.
anything you say (even before being arrested) especially in writing can and will be used.

  Forum: Speeding and other Criminal Offences · Post Preview: #1384989 · Replies: 23 · Views: 2,390

bama
Posted on: Thu, 24 May 2018 - 17:23


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QUOTE (peterguk @ Thu, 24 May 2018 - 13:43) *
QUOTE (bama @ Thu, 24 May 2018 - 13:01) *
if it is in fact a NIP then replying is in order.


No reply is ever required to a NIP..


Apols, i used the shorthand for the usual combuined NIP and S172. I should have been more
explicit.
Same point though - is it a letter or a NIP or just a S172 on its own.

QUOTE
If he is genuinely unaware of any incident, his reply should say so

have to disagree on that. he could end up with a careless/more serious charge being thrown into the mix should it get to court.
never offer facts that have not been asked for - they will get used against you (just like 'the anything you say').
The Bib is not writing to make a new pen friend.
the approach of @I have done nothing wrong, it can't hurt me to tell them things/talk to them' is mistaken. People whi have done that have ensed up with convictions, some of them lawyers who though they were smart enough to do it without risk.
there is zero knowledge of the details of the alleged incident.
To assume this letter is benign is foolish.
  Forum: Speeding and other Criminal Offences · Post Preview: #1384756 · Replies: 23 · Views: 2,390

bama
Posted on: Thu, 24 May 2018 - 14:28


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QUOTE (Fredd @ Thu, 24 May 2018 - 13:16) *
QUOTE (bama @ Thu, 24 May 2018 - 12:52) *
Fairy typical response when there is legislation that creates accountability and the risk that someone may the carry the can.

It's fairly typical when government introduces new legislation that deals largely in principles, offers little guidance as to what will be acceptable and what won't when endeavouring to comply, and threatens crippling penalties if you get it wrong - you play it safe. It's reminiscent of "cookie consent", but on steroids.


Spot on. Wooly stuff but explicit on the penalties. Reminds me of the TMA smile.gif
and loads of others..

Also creates plenty of opportunities for Clifford Chance, Slaughter and May type firms.
I have been on the recieving end of Clifford Chance stuff regarding EU stuff and am familiar with the quality and usefullness of their output in this regard.
  Forum: The Flame Pit · Post Preview: #1384706 · Replies: 32 · Views: 1,549

bama
Posted on: Thu, 24 May 2018 - 12:08


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QUOTE (666 @ Thu, 24 May 2018 - 12:59) *
QUOTE (bama @ Thu, 24 May 2018 - 12:31) *
As you are paying by card you already have the money to pay for the insurance (or the card will be declined) so why get credit ? there is no reason at all - for the consumer.


Not if it's a credit card. If you use a credit card, and don't pay it off in full, then you'll almost certainly be paying a much higher interest rate than you would on the insurer's credit plan.

You will be paying both

On the wider issue, I have been insuring for many years through a variety of comparison sites, and have never had any difficulty in paying in full. Have I just been lucky?

"in full" ? you mean annually ? yes me too, I always do the annual premium (and with a debit card). Its the credit agreement with BFSL that you can't seem to avoid that is the issue

  Forum: The Flame Pit · Post Preview: #1384650 · Replies: 15 · Views: 609

bama
Posted on: Thu, 24 May 2018 - 12:01


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Form ? ?

you said it was a letter (and that you don't consider it to be a NIP).
is it in fact a NIP or not ?

it could just be a letter if some member of joe public has phoned in a complaint.
In which cash the Bib are just fishing.
if it is just a letter with a request then I don't see there is any legal obligation to reply at all.
If I am wrong about that then I am sure the eagles here will jump on it,
if it is in fact a NIP then replying is in order.
  Forum: Speeding and other Criminal Offences · Post Preview: #1384648 · Replies: 23 · Views: 2,390

bama
Posted on: Thu, 24 May 2018 - 11:52


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lots of chickens seem to become headless over GDPR.
you wouldn't believe some of the claptrap things some companies are doing. nor the knee jek (some knee but mostly jerk) things some middle level managers are coming up with - not much clear coporate policy or understanding around on this one it seems. Fairy typical response when there is legislation that creates accountability and the risk that someone may the carry the can.
  Forum: The Flame Pit · Post Preview: #1384642 · Replies: 32 · Views: 1,549

bama
Posted on: Thu, 24 May 2018 - 11:31


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Yup. looks like direct line has no credit agreement in the background.

Thing is the on-line quotes that i am referring to (with unasked for and unwanted credit agreements 'thrown' in) all showed a "Cash Price" that excluded the credit costs.
Phone 'em up and tell them you will pay the cash price and they (well at least the RAC) couldn't do it. the software at their end lumped it in anyway. Lots of fun ensued whenIi asked why the extra amount (I wasn't up to speed on the 'credit in the background' thing. best he could come up with was 'all I can think of is its because you are beuy a car and you may not be used to it at first and so are a higher risk'. So either the phone bods ae not told about the credit agreement and that there is an illustrated "cash price" or they are told to lie their asses off about it. For sure (according to what he said) there was no way he could physically do it for the cash price using the software at his end. Quite a blockakage that to say the least.

As you are paying by card you already have the money to pay for the insurance (or the card will be declined) so why get credit ? there is no reason at all - for the consumer.
Look at BFSL's annual financial reports at Companies House and you can see why they want you to have it though....
I see the Insurance Act 2015 changed a few things but how that enables 'forced credit' I have no idea. then again I have't read the Act all the way through.

It should not be difficult to avoid a credit arrangement that you do not need and do not want ! But as far as car insurance goes (at least, there could well be other fields) it seems to quite a challenge. Thats just plain wrong IMO.
And if someone pays by credit card anyway why a second credit agreement ? - paying interest on interest from the git go.

then ponder the mechanics.
BFSL is the Creditor but who get the funds from your card payment ? Where does it go and who benefits from it ? I suspect it is BISL who are agents (who is the principal ?).
I suspect that even if you pay annually they amortise the cash monthly between themselves
thus spreading reveue out - regular meals rather than an annual feast i.e. cash flow. Plus why charge for something once when you can charge for it 12 times !.

And fo course BFSL is part of a group of companies and money gets sloshed around between them - significant amouts according to the Annual Reports they have filed.

interestingly their CFO is also a director of a major on-line price comparison company and a director of a claims settlement company. Talk about one hand washing the other.

If any readers are getting insurance soon via on-line system9s) then by all means look closely at the credit agreement side of it ! (the credit agreement docs in the backgound should be downloaded and read closely. You will see they are populated with the relevant amounts according to the quote your are chasing. Its not boilerplate, it is a customised agreement.)
then ring 'em up and tell them you have sufficient funds and will buy at the illustrated cash price and see if you get any joy.
  Forum: The Flame Pit · Post Preview: #1384635 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 22:45


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allowing me to make a single payment ?
annual or monthly is a choice.
annual normally cheaper - less admin for Ins Co and they get full payment up front.
I can't see any reason at all for paying extra for annual payment.
will re-run/amed a quote to monthly to see what happens.
to me it looks like if the finance costs (and various slices of the cake for the numerous parties involved) that makes up the supriose extra whack at the end of the process.
abiout to find out...
Dug this out on the monthly plan

QUOTE
Initial deposit
£30.08
Amount of credit
£370.70
Total amount payable
£400.78
11 instalments of
£33.70
Cash price
£359.97
Charge for credit
£40.81
Applicable APR
26.5%


no tick box for I don't want effin credit of course.
so going forward and just entering the "cash price" on the payment screen and does that negate the Loan ? even when the link to Loan Agreement comes up on screen when you have selected aan annual payment ? I don't think it does but to find out you have to pay and find out afterwards.
Even after picking "annual" the Loan Agreement is there - policyholder name on and a scanned sig from the lender - and you are explicitly agreeing the Ts and Cs.
Boilerplate is one thing but a completed Loan Agreements that isn't wanted is another.
Having said that I suppose it could bjust be sh1tty web design (a common code base can have drawbacks) but how that got through any kind of audit/QA/the use cases etc is beyond me. Screen changes aplenty happen and the screen gets changed. Presenting the Loan Agreement on screen along with text that says 'by paying you are agreeing to these Ts and Cs)
QUOTE
By completing your payment details you are confirming that you have read and accept the terms and conditions in the following documents About Us | Full Policy Wording | Pre Contract Credit Information | Credit Agreement | Terms & Conditions

to be exact is beyond the pale.

Just went back to Annual on a quote from the Post Office
Linked to the "Pre Contract Credit Information"
which has this for the anuual option
QUOTE
The type of credit.
Fixed Sum Credit
The total amount of credit.
This means the amount of credit to be
provided under the proposed credit
agreement or the credit limit.
£329.89.
How and when credit would be provided.
When you enter into an insurance policy (the Policy) together with any
related products purchased at the same time (together with the Policy,
the Insurance Transaction), we will advance the amount being financed
under the credit agreement to BISL, who will be responsible for arranging
the Insurance Transaction on your behalf.
The duration of the credit agreement.
12 months from the Policy commencement date.
Repayments.
The first instalment due will be £33.70 followed by 10 monthly payments
of £33.70.
The total amount you will have to pay.
This means the amount you have
borrowed plus interest and other costs.
£400.78.
The proposed credit will be linked to the
supply of specific goods or the provision
of a service.
Description of goods / services / land (as
applicable).
The credit agreement will finance:

The premium payable for the Policy, with the Number xxxxxxxxxx

Breakdown cover, Motor legal protection, Guaranteed replacement
car and Keycare
Cash price.
The cash price for:

The Policy is £359.97

Breakdown cover is Included, Motor legal protection is Included,
Guaranteed replacement car is Included and Keycare is Included
Security required.
This is a description of the security to be
provided by you in relation to the credit
agreement.
As security for the payment of all amounts that you are at any time
required to pay under the credit agreement, by signing the credit
agreement you will agree to give us a first ranking mortgage over all
rights to and interest in all sums payable under the Insurance
Transaction (including refunds
The rates of interest which apply to the
credit agreement.
12.37% per annum, fixed for the term of the credit agreement.


looks to me that your payment pays the creditor who then pays the insurer (or some other intermediary) monthly anyway.
Run a quote or two at the Post Ofice site and see the docs.
I am all quoted out for the day, am so cross eyed now it could be aliens doing it -or perhaps the cat.

Of course there may be some uplift for the the 'you don't own it yet' but I fail to see why

And of course the loan is an asset for the lending company - and a known and quanitifiable risk to them - don't pay the monthly charge (or it gets snafud) and the Insurance is cancelled.
We are not talking CDO level risk with these loans (though I bet they do get packeged up in the background but thats another matter)

This should make things a tad clearer (Not before time you say)

Creditor is BFSL
Customer (poor gink trying to buy the policy)
Credit Intermediary) BISL (same address as BFSL of course)
  Forum: The Flame Pit · Post Preview: #1384254 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 21:40


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Do you have aloan (that you may not even know about) at the back of your Direct Line policy ?

of course getting to the bottom of this does change the competitiveness of quotes/insurance companies.
so they won't make it easy.
  Forum: The Flame Pit · Post Preview: #1384238 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 21:11


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BISL is indeed one of the common factors (as is the software provider and Ageas).

I started with a comparison site !!
Am sure they are close guarded with their algorithms and 'data selection' criteria.
With a common code base what else do they have to play with ?
Also it is not unknown for an underwriter to refuse a policy change to a different vehicle and yet happily quote away for the same different vehicle with all policy details exactly the same and with the same insurer when its a new policy !! No way on god's good green that that is risk related IMO...

But this effing loan that I don't want is the bugbear.


And from that easily finding an insurance company where I can just just buy a year's worth of insurance without a loan being involved. Don't need and don't want this financial product (the loan).

Just want car insurance without a loan - that doesn't seem to be asking for the moon.

Running quotes driving me loopy
  Forum: The Flame Pit · Post Preview: #1384225 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 20:19


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turns out they are all using the same software base - screen layouts, processing logic and options and (not least) URLs give that away.
e.g. nameofcompany.insure-systems.co.uk

It also turns out that at the bottom of it is a Credit Agreement !!
for a loan to pay the insurance. A loan I didn't ask for - I have plastic cards that pay stuf on-linef.

Can you buy car insurance without taking out a loan ??
How ?

screen shot info example
QUOTE
By completing your payment details you are confirming that you have read and accept the terms and conditions in the following documents About Us | Full Policy Wording | Pre Contract Credit Information | Credit Agreement | Terms & Conditions

Change to pay monthly

Please select the card type you wish to pay your one payment of £nnn.nn with *


I am paying by existing card FFS

did I miss a tiny checkbox somewhere I wonder.
or is it just a general shafting that everyone is in line for ?
Of course the 'loan' ups costs, generates (creates) extra business etc. for the companies involved.

has the car insurance world changed when I wasn't looking ? ?

If its me fine, someone please explain it to me.
But at the moment am severely p1ssed off
  Forum: The Flame Pit · Post Preview: #1384217 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 20:07


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unkless you reallu really want them to keep your details then just ignore them.

or send them a contract with your daily rate for 'data verification and clean up'
that shoukd stop the e-mails....
  Forum: The Flame Pit · Post Preview: #1384214 · Replies: 32 · Views: 1,549

bama
Posted on: Tue, 22 May 2018 - 14:02


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frequently ?
last vehicle been run for six years
previous one for fifteen years
  Forum: The Flame Pit · Post Preview: #1384111 · Replies: 15 · Views: 609

bama
Posted on: Tue, 22 May 2018 - 13:06


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changing cars. NCB back to the year dot never had points.

fill in the on-line stuff only at the very end does the
"date of purchase" come up (i.e last thing before paying)
put in this month (as everyone has to do when getting a new/replacement car)
and bang
£70 to £80 quid on top

more than than one insurance company tried - they all seem to be doing it.

can't help but think it is just cynical price gouging.
you have to insure before you can pick up the car so apart from renewals policy everyone will come
across this.
doesn't make sense as a business process/use case/ to me.
they should ask this up front so p[eople know what costs they are facing.
and of course it makes price comparison sites (all the more) b0ll0cks

am I just being reactionary ? or am I righteously aggrieved (for a change) ?
  Forum: The Flame Pit · Post Preview: #1384095 · Replies: 15 · Views: 609

bama
Posted on: Wed, 16 May 2018 - 20:23


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double check the V5C
then check it again
then report back here with the results.

this could be an IT issue (bug) revealed by the two different addresses and the system then erroneously picking the insurance address instead of the DVLA one.
If so they probably don't want the bug revealed - they may not know about it, thern again it may well be a known problem.
revelaing it as a known bug could cause a flurry of people to start using two addresses.
  Forum: Speeding and other Criminal Offences · Post Preview: #1382757 · Replies: 15 · Views: 1,599

bama
Posted on: Wed, 16 May 2018 - 20:02


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QUOTE
and (maybe) need fewer.
it's for the greater good of all our employees.


how will you explain to the employess that puting them in the cross hairs for losing their job is to their benefit.
cognitive dissonace is one thing this but logical opposites are another.
  Forum: The Flame Pit · Post Preview: #1382746 · Replies: 61 · Views: 2,418

bama
Posted on: Fri, 6 Apr 2018 - 15:52


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accepting an FPN is not an admission of guilt, there is no judicial process involved in an FPN.
accepting an FPN merely disposes of the matter and avoids prosecution. no prosecution, no case in court, no guilt.
  Forum: The Flame Pit · Post Preview: #1372447 · Replies: 17 · Views: 1,228

bama
Posted on: Tue, 27 Mar 2018 - 16:07


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QUOTE
If a person running a business cannot be bothered to look up all the applicable laws that apply to them, then they deserve a fine.

that would require them looking up the whole of the law - to find out what applies to them.
the real world doesn't work that way.
  Forum: Speeding and other Criminal Offences · Post Preview: #1370302 · Replies: 32 · Views: 3,909

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