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confused??

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  1. hi all, sadly i am looking at entering a DRO. I have sought advice from CAB and CCS, but have had conflicting info re creditor payments I lost my job due to ill health about 18 months ago and defaulted on my debts that were not DD and let the DD ones be paid - both have said this isnt an issue as its making payments above and beyond that matter 11 months ago i was lucky enough to be offered another job and i felt like i was back on track. My debts were still high but i had hope i could manage them. I had an accident and my car was wrote off so now use my dads car (he had a stroke and cannot drive) I pay insurance, fuel, MOT and service costs but its still his car on the understanding when (if) he can drive again i give it back. Car is worth 2k but its not mine so doesnt come into it. if he isnt given the ok to drive I will either purchase it from him or return it. He wont know for 12-15 months if he can drive so i can use it for at least the next year. My sticking point is my Mum recently offered to , and did, pay 2 of my cc's off for me (3k. These were the only debts she thought i had) CAB states its pref treatment of creditors but CCCS state its my mums money and she can do with it as she sees fit. As i haven't paid it myself it isnt in any way preferential treatment of creditors. The money was paid from my mums card not mine so i can prove it wasnt my money Opinions please? My debt currently stands at 14k so i need to move quite quickly as anymore charges etc could tip it over the 15k mark
  2. Hi all, looking for some advice. i split with my partner over 6 months ago and in this time havent claimed tax credits that i know as a family we would be entitled to instead i have worked 6 day 12 hour shifts but simply cant carry on like this. Anyhow, split with ex in March this year. Our house is in his name, (but we have a legal document set up saying 1/2 of any money in the home is mine. I was changing jobs at the time we re-mortgaged so the FA said to just do it this way) We cant sell due to negaitive equity so me and the children are staying here until the market picks up or i can afford to buy him out. As a result of this instead of paying child support (which would be about £400pcm on his income) he pays the mortgage £700 and i give him £150 so in effect we go halves on the other £300 outstanding for mortgage payment Decided that working 60 hour weeks isnt good for me or my children so am i going to have to apply for tax credits to assist. Just a few questions. My work involves shifts so ex stays here 2 nights a week as i work 2 nights (hes here i am not as i am at work.I come home he goes.) He lives with his mother for the time being. I ensured all his post and GP was changed over and i have informed the council tax etc I am concerned as i have spoken to people who say (rightly or wrongly)as he is financially contributing to the household tc will say he is living here i can assure you he isnt. Can anyone giev me guidance prior to me ringing to apply? The only thing he contributes is he pays a % of the mortagge instead of child support. When he does stay over (when i am working nights) he even brings his own food! I have heard so many horror stories i have steered well clear of tc and worked all the over time i can get, but its not a viable long term solution for my family and I Thank you
  3. Hi thanks for the speedy and informative reply. I was told that they have a dept that deals specifically with 'complex cases where the 3rd party ins co are disputing the injuries'
  4. Hi all, i have posted before reagrding this,and i will also post in the motoring forum (not sure which is best) Basically earlier this year i was invloved in a RTA - i wasnt at fault. Driver accpeted liablility etc and my car got repaired. Over the coming week I suffered quite severe pain in my neck and back, I needed physio and after speaking to my insurance co i decided to put in a claim for my injuries (i was unsure if i should do so at the time and posted here for unbiased views) in order to get the physio - which didnt happen and i had to wait on the NHS (reasons to follow) Anyway, I attened a medical with a specialist who, after reviewing my medical records decided that 90% of injury was due to RTA the other 10 % is down to an existing condition. The report went off to my insurers who passed it on to the 3rd party ins co. this was months ago. Anyway, today my ins co have sent me a letter to say the other ins co are saying that my 'injuries were not caused by the low impact incident'. I have asked them what happens from here and i was told another dept is now dealing with it and they will be in touch 'soon' ie in the next few weeks, in reality this will prob be after xmas as they are so slow. So, basically does anyone know what will happen from here? I did ask but was told to wait for someone to contact me. Hence me seeking advice from here once again. Thanks in advance
  5. Hi all, i have posted before reagrding this,and i will also post in the insurance forum (not sure which is best) Basically earlier thsi year i was invloved in a RTA - i wasnt at fault. Driver accpeted liablility etc and my car got repaired. Over the coming week I suffered quite severe pain in my neck and back, I needed physio and after speaking to my insurance co i decided to put in a claim for my injuries (i was unsure if i should do so at the time and posted here for unbiased views) in order to get the physio - which didnt happen and i had to wait on the NHS (reasons to follow) Anyway, I attened a medical with a specialist who, after reviewing my medical records decided that 90% of injury was due to RTA the other 10 % is down to an existing condition. The report went off to my insurers who passed it on to the 3rd party ins co. this was months ago. Anyway, today my ins co have sent me a letter to say the other ins co are saying that my 'injuries were not caused by the low impact incident'. I have asked them what happens from here and i was told another dept is now dealing with it and they will be in touch 'soon' ie in the next few weeks, in reality this will prob be after xmas as they are so slow. So, basically does anyone know what will happen from here? I did ask but was told to wait for someone to contact me. Hence me seeking advice from here once again. Thanks in advance
  6. Hi sorry for not replying sooner, internet been off..moving house! Yes she did have time off work as she stands a lot with her job and couldnt stand or move without discomfort. She attened the GP surgery 3 days after it happened, again 2 weeks later, she sought advice about it again from GP whilst attending regarding another issue and has been back about 2 weeks ago as well. She has decided to continue with the process thanks to the responses on here. What about physio? The solicitors have offered physio but there is a disclaimeer in there basically saying if she doesnt win the claim she is liable pay the physio bill. Is she better paying herself (lots cheaper) and claiming those costs? Thanks all for the advice, its been of great assistance
  7. Goodness, thanks for all that! As i thought - they are saying she is lying! I better not tell her this or she will be intimidated by it all, shes quite old school and will believe 'the insurers deal with this day in and day out so my injury must not be down to the car accident' which, we believe it is. I think i will tell her its all 'normal process' and see what she says, she was in tears this morning when she got this letter so if i tell the the above she will have a funny turn! Could the medical professional could state it is due to the accident but she is more inclined to get injured due to pre existing conditions? if so what happens then? Thanks all, such great info here. If anyone else has anything to ad (although short of 1st hand experience i doubt there is much!) it would be welcomed
  8. hi there, Thanks i will pass the web page onto her later so she can read the comments her main concern is that the 3rd parties insurers are basically saying she is lying about her injuries as they say 'the impact caused by the incident was at such low speed it did not cause much damage and would not have caused significant occupancy movement' well. it caused over £1000 worth of damage regardless of how fast/slow the other driver was going. As she does have a pre existing condition would this lessen/cancel any compensation she may be entitled to? she has had to give up things she usually does such as gardening and now has a gardener coming once a week to do her lawns etc, she is lots better, infact she could hardly walk the 10 days or so after accident but now just has trouble with her shoulders (which were never a problem before accident) and back (which did cause issues before but she says this pain is different to the 'burning pain' her artiritis gives her just to add she has seen gp 3 times about this and he has said it isnt down to pre existing condition. They want to see her medical records before she goes to be assessed. As we have never had a collission before we are very in the dark with all this thanks
  9. I was involved in an accident a few months ago. My mother was in the car with me. The driver reversed into the side of me reversing off a drive (rear end drivers side where my mother was sat) My mother suffered what the doctor said was 'tissue damage due to the accident'. She had a medical appointment booked, but its been cancelled for the time being as the 3rd party are now saying they dispute the injury was caused by the accident due to the low speed of the vehicles. It was slow, but was hard enough impact to cause over £1000 worth of damage to my car, which has now been fixed. My mother is quite upset about all this and has signed to say her medical history needs to be accessed. She had to have 3 weeks off work (she stands all day in her employment) and is still in mild pain ie cant lie/sit/stand for a long period of time. She does however suffer from arthitus (sp?) but hasnt suffered for a while due to being on medication for it. She says she knows the 'type' of pain the arthiritus gives her and this has been different ie shoulders which were never effected prior etc and constant back niggling since it happened. Her concern is that the 3rd party wont pay out for time lost at work (only on ssp) and any damages ie her whilplash and backpain as she has a pre-existing condition. Could anyone help me help to her to be a little more re-assured about the situation? I have been driving 10 years, her 30 and we have never been involved in an accident before so are quite in the dark. Her solicitor has said its a 'common issue brought up by 3rd party insurers' but thats not giving her much peace Sorry for the essay, but thought would include all i could think of. Thanks Anna
  10. Hi thanks! thats makes it clearer. I did/am suffering 4 weeks on, but as i havent had 'loss of earnings' i dont want to claim, i am really against the whole claims culture. If i had expereinced loss in wages etc i would consider it but i didnt so i just want to re-coup actual costs ie car seat and car seat. Thanks a lot! I did have the feeling i was being pressured into 'all or nothing' with them but i will make my intentions clear
  11. thanks for the response. Yes, i kinda follow what you are saying, and i agree. I need physio and the 3rd party should pay - but the way it has been put to meby this urwin mitchell (or whoever they are lol!) is i need to file a claim for injury and seek compensation, as part of that the physio and car seat will be paid. The company that called me are quoting 'average payouts of £1700 with around 6 months lead time for payment as teh 3rd party have already admitted liability' but i dont want £1700, i just want the cost of the physio and new car seat So, really what i want to ask is 'can i just claim for physio and a new car seat, but not claim for the injury itself for distress and suffering (or however they term it)?
  12. Goodness. I feel like i am making it harder for myself by trying to be honest and saying i do not want compensating for being involved in an accident i simply want the costs associated with it! I have never been involved in an accident in all my years of driving so i am not sure of the ins and outs. I really do not feel comfortable making a PI claim in order to get physio and a new car seat. The car seat is £100 to replace and the doc said i should start with 10 treatments (@ £35 a treatment) and see how it goes (he seemed to give an indication that 10 treatments would usually be enough when combined with excercises to be done at home) It just seems silly that for the sake of maybe £450 costs will spiral with solicitor fees, PI claims, doc reports etc but on the other hand i am not prepared to pay these costs myself when i was not at fault Thanks for the advice tho, i just thought they were pulling the wool in order to make a quick £ off the 3rd parties ins company
  13. I have also posted this in the motoring forum, but maybe here is a more appropriate place? Hi all, hoping this is the right place to post and that someone can assist. I was involved in a RTA just under 4 weeks ago. The driver reversed into the side of my car, she admitted liability and my car is in the garage as we speak (damages of £1000 although i fail to see how, yes there was panel damage but £1000!! i am not sure) The car was reversing so only going 7/10 mph or so its only cosmetic. Anyway, i have a question. I did suffer injury - GP says soft tissue damage. I am as bad today as i was the day after the incident. On friday my GP said physiotherapy/chiropractor (sp) would be a good idea but NHS waiting list is long. He said to call the insurance company as the other woman had admitted liability Now, i do not believe in claiming for whiplash etc as although i have suffered pain i have been lucky enough not to have suffered any loss of earnings - i am a stay at home mum, and we go a replacement car whilst ours is being fixed so oh can get to work and back etc so we are happy. i called my insurance co today to tell them what GP said and they said someone would call back - this company urwin mitchell? or something like that have called saying my ins co asked them to do so. I went through all thats happened etc and they said 'they will take on my case' i said i didnt want 'a case' i just wanted physio as per my GP and new car seat as per the local councils road safety team. (The local road safety team have also suggested i purchase a new car seat for my child as you should buy a new one if your vehicle is involved in any accident) But this irwin mitchel company are saying i need to put in a pi claim to get this? Surley this isnt right? I called my insurance co back and i got the 'you have been injured and are entitled to claim compensation for the injuries as you are still suffering 4 weeks later' cr*p..well, yes i am but as i have suffered no loss of earnings i do not want a PI claim, just for physio and car seat to be paid for. What do i do? i have the 3rd parties details do i ring her and ask her to pay for the physio and new car seat? or do i approach her insurance company? I am being made to feel i am being unreasonable for not wanting to claim for personal injury - is this really the culture we live in? or have i got the wrong end of the stick here? Thanks for any replies
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