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    • I am sorry about getting your status mixed up.  I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may prefer  to alter 13 to    . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails. See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.
    • What would suffice as proof? I just emailed them back my date of birth. Should I send a copy of driving licence? 
    • Which Court have you received the claim from ? Northampton   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form.   This has been uploaded in my previous messages in the bundle of documents     Name of the Claimant ? Asset Link Capital (NO5) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to./   14/02/2020   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Not relevant as his claim was set aside, and has now been brought to the court again by the claimant       Particulars of Claim   What is the claim for – the reason they have issued the claim? Please see bundle of documents in previous thread   What is the total value of the claim? £10,734.1    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes - this is one of the grounds for getting it set aside   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ?  Apparently 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I do not recall entering into an agreement with Barclays   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  It was, but it is not anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Asset Link   Were you aware the account had been assigned – did you receive a Notice of Assignment? No - although they have provided a copy of the assignment notice in their bundle of docs for the hearing   Did you receive a Default Notice from the original creditor? I don't remember - but again a copy of a letter has been provided (see bundle on previous thread)   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No    Why did you cease payments?  2015   What was the date of your last payment? December 2015   Was there a dispute with the original creditor that remains unresolved?  I wrote to Barclaycard back in 2015 to ask them to send proof of the original agreement but they just sent me a reconstituted document which had no personal deals on relating to me   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes - step change took control and set up payments of £1 pm
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Car accident - legal/insurance query


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Hello! I would really appreciate some advice please. In June of this year I was driving forwards through a privately owned public car park when a woman reversed her car out of a parking space into my rear wheel arch (passenger side). She was very sorry at the scene, I made sure she was ok and we exchanged details. I drove home and phoned my insurance company. I have followed all advice given to me by my insurance company and posted my statement off within 24hours of receiving it. Last Friday (26.8.11) I received a letter from my insurance company informing me that they are waiting for a statement from the other woman before they consider the 50/50 offer. I phoned my insurance company and asked what the 50/50 offer was!!! They told me the other woman told her insurance company that I was reversing at the time of the accident! This is a blatant lie and I am extremely determined not to allow this to go 50/50 out of principle (not just cost to me!). I have legal cover within my insurance. Surely the images of my car show that I was hit from the side (my car cannot reverse sideways). Do I stand any chance? I have no witnesses. :-( Thank you for any help you can give me.

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I had my 10 year old daughter in my passenger seat and the other woman had two young children in the rear of her car. She has no witnesses that I know of and if she has got a witness they would have to lie to back her up because I was not reversing! I do not have a witness although the car park was busy. The other woman was so upset at the scene I thought I wouldn't need a witness - lesson learnt! The legal protection team I spoke to said this will probably go 50/50. I think they have given up already! Thank you for your reply.

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Its up to you realy, let your insurance co deal with it how they see fit, and get your car repaired quickly etc; lose NCB etc and increased premiums next year!

or claim against her and insurers directly for all damage to your car ( get quotes for repair ) and send costs to them.

This may take a bit longer, and you may have to take her to court ( her insurers will probably not defend and want to settle ); your legal may be able to assist in this.

This way you do not lose NCB etc.

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Thank you for your reply. To be honest, I just did what my insurance company told me to do - my car was fixed within a week by a garage they told me to go to. I'm not going to settle for 50/50 because it was definitely her fault. I have legal protection - how much can I expect them to do for me?

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One other thing - her insurance company phoned me to ask for my 'version of events'. Are they allowed to do that?

 

Speak to your Insurers before you provide the third party Insurers with any information. Normally your own Insurers pass on your statement that you provided to them, so perhaps they are asking for another statement direct in the hope that you trip yourself up with slight differences.

 

Sounds a bit odd to me.

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Speak to your Insurers before you provide the third party Insurers with any information. Normally your own Insurers pass on your statement that you provided to them, so perhaps they are asking for another statement direct in the hope that you trip yourself up with slight differences.

 

Sounds a bit odd to me.

 

 

That is probably what they are trying to do.

 

If the OP had instructed solicitors then the TPI could not contact her directly.

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My ins company appeared shocked that her ins company had phoned me. As it stands my ins company are waiting for her statement. I think this is clearly a stalling tactic but very frustrating! Will I be able to read her statement when it appears?

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My ins company appeared shocked that her ins company had phoned me. As it stands my ins company are waiting for her statement. I think this is clearly a stalling tactic but very frustrating! Will I be able to read her statement when it appears?

 

Seeing a third parties statement can be difficult. You would definately see it if this went to court to decide on liability, but I think you would need to have the third parties consent outside of a court process. Your Insurers may let you know what it says if they receive a copy, but may not provide an actual copy to you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Now it has been sorted you will not have any say in the way your insurers settle the claim, that will be up to them i am afraid.

You just have to wait and see what they decide which will be the easiiest option; they will not go to court, and will settle as soon as they can to close out.

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:-( I think this is sadly going to go against me! So frustrating when I know I'm in the right! I won't be treating others with such trust in the future! A harsh lesson to learn. At least I can sleep at night. Thank you for all your help and I will keep you posted on the predictable developments.
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Hi guys, (sorry been offline, laptop decided to throw a wobbly lol)

 

On the subject of witnesses (I've been reading through this thread), anyone who was in either vehicle - CANNOT BE A WITNESS, as they wouldnt be impartial, it would have to be a bystander, someone in the shop/carpark/street etc UNRELATED to you who can act as a witness.

 

I wouldnt worry at this stage if they are suggesting 50/50, they are just waiting for her "statement" before they can try and claim anything anyway. In either case if it does go 50/50 that would also mean that she would have a "knock" against any No Claims she has so she doesnt get away without anything (which is the best case really as you wouldnt want them saying it was your fault!)

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Thank you eeyorebob. I realise my daughter could not be a witness. I also have a friend who can vouch for my original parked position, but being a friend she can't help. (although I need a witness that saw me driving forwards)

 

You are right, it could be worse, she could be blaming me 100%, I'm still not going to settle for 50 though! I'm an honest person but also very stubborn ;-)

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