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Messages - ManxTom

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1
What would be your mitigation?

2
Hi MickR,

There are two online statments from Saga that point to my expectation:
FAQ On their website: https://www.saga.co.uk/car-insurance/faqs?srsltid

How do I renew my policy?
You will be sent a renewal invitation at least 21 days before your renewal date. Your renewal invitation will then also be available for you to review and renew for home and motor policies on MySaga. If you pay by Direct Debit or set up a continuous payment when you took out your policy, don’t worry we will automatically renew it for you.


Once I've purchased car insurance how can I get my policy documents?
We automatically send an email with a link to your documents so that you can review and download them at any time. They will be added to your MySaga account within 24 hours. If you have requested for your documents to be sent out to you in the post, you should receive them within three to six working days.
-
Now Read the renewal email from Saga:
You're covered - here are your Saga insurance documents
From
documents@saga.co.uk
on
2025-12-27 07:58

Next
This is an automated email. Please do not reply as this in an unmonitored inbox and your message will not be seen.
Your reference number: xxxxxx
Dear Mr M xxx
Thank you for contacting us about your Saga car insurance policy.
Your amended renewal documents are now available to view. Please usethe link below and check your documents carefully to make sure that alldetails are correct and you have the cover you need.
If any of your information is incorrect or you have any questions regardingyour policy, you can make a number of amendments online, 24/7, by usingour online portal by clicking on the MyPolicy link below. Alternatively
chat online
with our specialist insurance team, or call us on
0800 056 9128
. Lines are open between 8.30am and 8pm Monday

I can forward the email to show you it is authentic.
Regards
mikerc1000

So did you click on the link in that "You're covered etc..." email dated 27 December 2025?

Did it lead you to a certificate of insurance - or any other document - confirming your policy had renewed on 16 January 2026 and was valid until 16 January 2027?

I'm confused by a couple of things:

1.  You seem to say in another post that some documents or emails or notices have disappeared from the Saga portal but you've given a verbatim account of what they said.  Are you saying you saved copies before they disappeared?  (We're insured with Saga and I always save copies of everyhting from the portal).

2.  Did you actually check that the monthly direct debits were being taken after the renewal?

Having said all that if the renewal letter specifically said that as you paid by DD it would automatically renew without you needing to take any action, I would have relied on that

3
Hi since leaving the big city ive managed to avoid any issues with parking for years, which has been great. But today it changed, my current job, im a support worker, there was no where on the road to park only double yellows, which my pass entitles me to do, if im currently supporting, which I was, I took the SU (service user) to buy some food, came back parked up, theres several care houses nearby so staff often park here. To my left when I got out of the car two traffic wardens were there, one obvioulsy new one who was putting a ticket on a car with the other one showing him what to do.

As I walked off the experienced one told me I couldnt park there, I showed him the pass in the car and my badge, he still insisted I couldnt park there and would issue a ticket, I tried to explain again and he said people abuse it and its only for house visits...

[My bold for emphasis]

I'm not a parking expert, so I'll leave it to others more knowledgeable than me to advise you, but is the problem that you were returning from a shopping trip with your client?

My reading of the T&Cs of your permit is that it only gives you unrestricted parking if you are visiting your client in their home and that it can't be used to support your client while they are shopping:  "... The permit must not be used for patient or client-related matters, for example, picking up prescriptions or shopping on behalf of your client to take their home address, nor parking whilst taking them out to appointments or for respite hours away from the home, for example, taking to a park or beach or out shopping..."  https://www.devon.gov.uk/roads-and-transport/parking/parking-permits/permits-for-care-and-health-workers/care-and-heath-worker-permit-terms-and-conditions/



I presume that means you can't use it for parking while your client is shopping, but whether it also means that you can't use it for parking when you return your client to their home, I don't know.  For future reference I suggest you ask your employer's permit account manager whether such use is permitted.

I don't know whether this might affect @Incandescent's suggestion re an informal challenge and its wording

[Edit:  looking at the time on your permit and the time of issue of the PCN I assume the enforcement officers might have seen you returning and knew it wasn't strictly a home visit...?]

4

... The purported offence took place on 06/03/26.  However I only received the NIP on 24/03/26, which I have evidence of as the letter can be seen in the postmans hand on my door camera...

Is the envelope containing the NIP clearly identifiable on the images from your door camera?

5
Can you share your photos so others can assess how well (or how badly) they communicate the temporary speed limit?

6
It tells you how under the heading "Important topics" at the top of this board

https://www.ftla.uk/speeding-and-other-criminal-offences/statutory-declarations-for-proceedings-you-weren't-aware-of/


[Edit:  Although I'm not sure that the link given at the end of that post is the easiest one to find a copy of a statutory declaration form.  This might be a better one under the sub-heading "If you did not know about your case"?

 https://www.gov.uk/appeal-magistrates-court-decision/if-you-did-not-know-about-your-case

See what others more expert than I am advise

Note - although that page appears to be talking about appealing a magistrates decision you aren't really appealing anything.  you are just making a statutory declaration that you did not know about the proceedings against you]


[mod edit: Link in sticky had expired - the URL referred to a form, the link went to a general landing page. Link replaced with the one suggested by my learned friend. N.B. This is a link to a page with advice/instructions and a clear link to the appropriate form, rather than directly to the form itself. Also, sticky not written by me - the clue is that it does not say that if the link is dead, pretend that you're a grown up and try googling it.]

7
Thank you everyone for your reply.

I will abide and send the information. I can send by email as that is an option and easier.

My mistake, it wasn't the council. It was Essex Police.

If they send a pcn, I will simply pay it.  Or whatever else I need to do, eg attend a course.

Let's see.

Once again, thank you every one.


Are you 100% certain that you can nominate yourself by email?

While some constabularies (eg Norfolk & Suffolk) do allow you to nominate yourself by email or online, my understanding is that most don't.  The reason being that most constabularies want a physically signed bit of paper saying that you admit to being the driver at the time of the offence.  An email or online admission will not suffice.  Or at least that is what those constabularies believe - rightly or wrongly.

You might be able to nominate somebody else as the driver by email or online, but doublecheck that you can nominate yourself.

(You've already made one obvious mistake thinking the council had sent you the NIP.  Don't make another unnecessary mistake that might cost you)

8
Contravention of special roads regulations(excluding speed limits) MW10

On 28/01/2025 at Lancaster in the county of Lancashire stopped a vehicle, namely MAN HGV index number NX71SKD, on the carriageway of the M6, Lancaster.
Contrary to regulation 7(1) of the Motorways Traffic (England and Wales) Regulations 1982, section 17(4) of the Road Traffic Regulation Act 1984 and Schedule 2 to the Road Traffic Offenders Act 1988.

Can you give Google maps street view link to where you were parked?

https://www.google.com/maps/@54.0519405,-2.775718,13z?entry=ttu&g_ep=EgoyMDI2MDMwMS4xIKXMDSoASAFQAw%3D%3D

9
Speeding and other criminal offences / Re: 50mph in a 30mph .
« on: February 25, 2026, 11:38:19 am »
I think you have confused BertB by asking "So pay the 44 today bert?"

That's because so far you haven't yet received anything that you can pay, have you?  All you've received is two NIPs asking you simply to name the driver, not asking you to pay anything.

Is that right?

BertB is simply trying to advise you as to which request to name the driver you should reply to first

10
I think you've had no luck with getting advice because you seem to have overlooked the advice from Hippocrates in Reply #2 on 07 January to follow the instructions in the sticky "READ THIS BEFORE YOU POST YOUR CASE"

https://www.ftla.uk/civil-penalty-charge-notices-(councils-tfl-and-so-on)/read-this-first-before-posting-your-case!-this-section-is-for-council-tfl-dartme/

You don't seem to have given any relevant information to work with - eg an image of the PCN; a Google maps streetview link etc etc

11
So the OP was parked in exactly the same place (outside 2b) as in the allowed appeal from 2016 quoted by Stamfordman?

12
@Save my License

1.  You haven't actually said but presumably you received the COFP the police say they sent you on 18 September?
2.  Again presumably, you paid it?
3.  When paying it did you also provide the required driving licence details?
4.  Did you keep a copy of what you told them?
5.  How many points - if any - did you have on your licence on 12 August?

13
Do you work for the council ?

Who are you asking?

Haven't the council dropped it anyway?

14
@indigo2026  -  "Apologies, I stand by what I originally said, I provided her name only. Sorry for the typo on my latest reply.

I've gone back and checked the dates, the NIP was sent and dated the 07/08/2025. I have looked at the email trail and I have an email to the police on the 26/08/2025 (9 days before the deadline) stating that the driver of the car was my wife, Josephine Bonaparte."



So the date of the alleged speeding is 21 July 2025 and the NIP was issued(?) on 07 August 2025?

How do you know the date of the NIP if your brother lost(!) it?

Presumably from the photo he took of the front page?

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