Both vehicles are fully comp Audi A4 Ford Escort Van, different insurers

I have a van for work which had broken down

Thank you all for trying to get the grips of this case. I thought I had put it very clearly. My car was insured fully comp but there was no commuting included. The fact are that the police told me I could not speak to my insurance company at the road side. They said my insurance was cancelled yet it was not, my insurance simply included commuting when I called them and they said my insurance was still in force. The police also told me that the reason they were seizing my car was because I could not drive it at all it had no insurance but that was not true. If this was true I would have had to pay a full amount to drive my car the next day, yet the insurance company told me that I had two choices: (1) To use my original insurance document to collect my car from the pound without paying anything extra, no amendment was required. (2) Or to pay the extra £40 to include commuting if I wanted to use it for commuting as well. Either way the offence was that I was going to work at the time I was stopped but had I not said I was going to work the police would not have seized my car, and my insurance for the car I was driving was still in force had I chosen to leave it as originally purchased. Incidentally the police were driving alongside me and then ahead of me, then behind me on the A3 and during that intermingling they were punching my car details into their system and the reason they eventually stopped me was because the car is registered in my wife's name but I am the legal owner and only driver. Don't ask why it's in my wife's name it's in preparation of our future arrangements. All my cars are in her name. Now back to business. I just want helpful answers not to be asked questions as if I am trying to pretend I had insurance when I didn't. I had the wrong insurance accepted but the information I got from the police and the insurance is not tallying whose information is truthful and does any of this anomaly give me leeway to protest. if not just tell me so I have been given points before. My current licence is clean ever since 2009 just didn't want the points. Also 7 years ago I was stopped for not having insurance the very day I had bought a new car and the police allowed me to phone the insurance and sort it out or have the car seized. I got it insured at the road side and never got a ticket, fine or points. It just depends on the people you meet. Any help will be welcome, but please say it like it is and we can move on, mistakes happen and I am not the first, wont be the last. Thank you

On 21 July 2014 at 0830 hrs I was stopped by the police driving my car which was legally insured. However, because on this day I was going to work; I normally use a van which had broken down on the evening of the 18 July 2014. The police told me that because my insurance cover did not include commuting, I was driving illegally. We could not get hold of the insurance company before 0900 hrs so we had to wait. The police told me that I was not allowed to speak to the insurance company before they did. They also said I would need to have my insurance document in front of me before I spoke to the insurance company. However they said when they speak to the insurance company they agreed that I could just pay the excess to allow me to drive to work then that will be the end of the story. However, after they spoke to the insurance company they told me that my insurance company had told them that I was in breach of the contract and they had therefore cancelled my insurance. As a result the police then towed my car away; I got a taxi back home and contacted the insurance company explaining everything. My insurance company said they were not told that I was available at the side road because I would just been asked to pay £40 and an amended document emailed to me. The insurance company also said my insurance was not cancelled I could continue using it as it is or add £40 to include commuting. I chose to add the £40 and they emailed me an amended document not a new insurance as I had been misinformed by the police that I was now uninsured. I paid £170 to collect my car the next day and I am due to produce my licence for 6 points and £300 fine for driving uninsured. I lost two days wages, train fare and fuel to the pound twice because my wife is the keeper but I am the owner. Taxi fare on the seizure day. I feel aggrieved that this is over the top unreasonable and punitive; I could be wrong but as you can guess that is why I am here. I would appreciate informative help, if I just need to pay and have 6 points please tell me straight. Thank you

Very well put, the disection of the law is illusive and requires sharp knives, but even with a sharp knife you have to be very artistic and knowlegeable about which joints to cut or disect. Thnak you for the observation TBDollocks

Thank you Jambs.

Hi guys The refund still hasnt arrived, can I claim interest on it and if so from when?? What is the procedure in layman's terms. Thank you

Yes Thank you Jamberson, but you realise without putting heads together you can not sniff out the hidden truth....

Thanks was freaking out here, got it

Thank you Green and mean for extracting the illegible upload, you saved me from trouble. Thanks again

Sorry tried to see how the letters can be enlarged but failed miserably, can I have a lesson on how to do this. I have scanned the letters and the scanned sizes are JPG 2550 X 3509 (826 KB) and 724X 1024 (104 KB) respectively, but after uploading they convert to a mere 8KB and 7.9KB respectively......totally confused. Thought it would be easy. Thanks

Hop this is better Thanks

Won My case posted here a few minutes ago but nothing here anymore did I do something wrong??????????

Hoooraaaay hooooraaaaaay!!!!!!!!!!!!!! Hi Guys I cannot express enough my gratitude over the recent victory I had regarding my appeal to have the acrimonious PCN cancelled and funds refunded. Though I have yet to receive the cheque I have confirmed with the council that it is being processed, I will come back here to make a small gratuitous contribution when its paid; to express my sincere thanks to this forum, which I've never had any shred of doubt that it must stay alive for the greater good of us all. A special mention is also necessary regarding the input from TDB and Jamberson, but I thank you all overally and say lets continue the fight against coporate bullying. Please read for yourself the letter from PATAS attched below. Thanks Tsvakayi66