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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Advice on car accident please


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Hi

 

I would really appreciate peoples advice on this matter. Thanks.

 

A vehicle ( Vehicle X) was on a dual carriage way (40mph) behind it was 3 other vehicles. This vehicle was on the outside lane (right hand lane) and then decided to break so sharply to turn left!!! The road it wished to eenter was soo tight, and had a width restriction, and there was a speed camera at this location. After breaking this vehicle realised that there was another car on the left lane blocking the entrance to this side road, and so couldnt turn left. But by this time the 3 vehicles behind this vehicle collided. No damage happened to this vehicle and ran away leaving the other 3 damaged.

 

The vehicle behind Vehicle X (2nd car) got damaged from behind, because the vehicle behind it (3rd car) hit it. Then the car behind vehicle 3 hit the rear of vehicle 3. Not much damage occured to vehicle 3 from behind. But a large amount of damage occured to the front of vehicle 4.

 

This all happened because the first vehicle braked sooo sharply, imagine a road that is 40 on a Right hand lane and he wanted to turn left EXACTLY where this little side road was.

 

I want to know is vehicle 4 at fault? Which vehicles are at fault?

 

Enough breaking distance was left between vehicle 3 and vehicle 4 behind it but since the level of breaking was soo severe this occured. As I said vehicle 1 ran away, but was chased by another vehicle who witnessed them driving in a reckless manner further along and nearly caused at least 2 more accidents. Also, they got a number plate for the car, and the colour thats all. It was suggested they dont have a licence, but no one knows obviously. Also, checked VRM seems no insurance possible aswell.

 

Please your help is much appreciated as this has caused a great deal of stress. Thanks and any advice appreciated and what procedure to follow....Thanks so much people.

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Vechile 1 for insurance purpose (although he may have been to blame) Is not to blame.

 

Vechile 2 is free from blame.

 

Vechiles 3 and 4 pick up the mess.

 

You state enough braking was left from vechiles 3 - 4. I totally disagree. If there was enough distance left, vechile 4 would NOT have hit 3. They are also to blame.

 

Jogs

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Thanks for the reply

 

But that is not fair vehicle 1 has nothing to do with it, he caused the mess...and it could have been staged someone could have made it for a laugh, esp since they dont have insurance they dont care.

 

So vehicle 4 is to blame? I know its the truth but it actually hurts a lot;(

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Hi

The vehicle behind Vehicle X (2nd car) got damaged from behind, because the vehicle behind it (3rd car) hit it. Then the car behind vehicle 3 hit the rear of vehicle 3. Not much damage occured to vehicle 3 from behind. But a large amount of damage occured to the front of vehicle 4.

 

It would appear that both vehicles 3 & 4 are at fault, however if I was the driver of vehicle 3 I would say that I had managed to stop before being pushed into the rear of vehicle 2 by vehicle 4.

The sad facts are that although vehicle 1 started this train of events both vehicles 3 & 4 were driving too close and therefore could not brake sufficiently to avoid a crash.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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