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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (c) Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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Fraudulent insurance claim leading to more


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I have a friend who was contacted by his insurance company due to a claim that he was in an accident and wrote off someone's car.

 

 

My friend was not in an accident and so following investigation his insurance company rejected the claim.

 

 

I've seen the photos of both cars, my friends car has not been in an accident,

and the other car is an old banger with a bumper literally falling off.

It might be worth mentioning the party making the accusation consist of three men who all have suffered from whiplash.

 

Now it appears that the fraudulent party are now going after my friend directly, he got the following corespondence from his insurance company:

 

We have reached the stage in the claim where the third party solicitors are now looking to commence legal proceedings against you,

and have requested your details in order to commence the same (which they are entitled to for this reason)

 

They have made an allegation that you were involved in the incident and have given false details at the scene.

 

 

My friend is obviously terrified having never been involved in legal proceedings other than buying a house.

Can anyone layout what he can expect?

I've told him he's got nothing to worry about as this false claim has been thrown out by the insurance company

and you can't prove something that never happened.

 

 

Practically can he refuse to cooperate as it is a waste of time?

Is he obliged to do anything? Is it time to get a solicitor or will the insurance company assist as they are involved?

 

Thanks for any advice. Any questions I'll relay and get back to you.

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I have a friend who was contacted by his insurance company due to a claim that he was in an accident and wrote off someone's car. My friend was not in an accident and so following investigation his insurance company rejected the claim. I've seen the photos of both cars, my friends car has not been in an accident, and the other car is an old banger with a bumper literally falling off. It might be worth mentioning the party making the accusation consist of three men who all have suffered from whiplash.

 

Now it appears that the fraudulent party are now going after my friend directly, he got the following corespondence from his insurance company:

 

 

 

My friend is obviously terrified having never been involved in legal proceedings other than buying a house. Can anyone layout what he can expect? I've told him he's got nothing to worry about as this false claim has been thrown out by the insurance company and you can't prove something that never happened. Practically can he refuse to cooperate as it is a waste of time? Is he obliged to do anything? Is it time to get a solicitor or will the insurance company assist as they are involved?

 

Thanks for any advice. Any questions I'll relay and get back to you.

 

Let his insurance company deal with it and he should help them refute the claim. He should make his car available for inspection, where someone can check for accident damage or repairs. If he is advised of the date, time and location, he could also check whether he was in the area where the accident took place.

 

Often the third party will issue a court claim against the driver they think is responsible and that driver just passes it onto their insurers. The insurers then deal with the court claim on their policyholders behalf.

 

A claim like this with three injured people, a damaged car and other expenses, could come to £10k, which is why your friend may be keen to let his insurers handle it, while helping them as much as possible.

We could do with some help from you.

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Ah good, so it's most likely he has to make himself available to the insurance company's solicitors. The actual claim failed against the insurance company after statements, interviews and car inspections. There is no evidence of an accident so it failed. That's a relief for him that he can pretty much pass the case over to the insurance company to handle. It's pretty irritating hearing about these cases and especially as my friend has a three week old baby to look after while returning to work. Thank you for the information guys, much appreciated. :)

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Ah good, so it's most likely he has to make himself available to the insurance company's solicitors. The actual claim failed against the insurance company after statements, interviews and car inspections. There is no evidence of an accident so it failed. That's a relief for him that he can pretty much pass the case over to the insurance company to handle. It's pretty irritating hearing about these cases and especially as my friend has a three week old baby to look after while returning to work. Thank you for the information guys, much appreciated. :)

 

 

So you are saying the car has now been examined by the insurance company and the claim thrown out, it that correct ?

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So you are saying the car has now been examined by the insurance company and the claim thrown out, it that correct ?

 

Yes. The case has been investigated by my friends insurance company and rejected but now the claimant seems to be pursuing my friend directly. I tried to infer that from the sentence below. Sorry if I was unclear.

 

My friend was not in an accident and so following investigation his insurance company rejected the claim.
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The other person involved in a collision doesn't get to choose whether to issue a claim against them personally or against the insurance company.

 

In the courts, the claim always goes under the name of the individual. But the insurance company handles the claim and picks up the bill. Just let the insurer deal with it.

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Yep, if they issue a summons agaist him (correct procedure) he passes the claim onto the insurers. They will already likely know it has been issued but have to accept it from him as an interested party. The alternative to to defend himself and pass the buck at a later stage but they dont like that.

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The other person involved in a collision doesn't get to choose whether to issue a claim against them personally or against the insurance company.

 

In the courts, the claim always goes under the name of the individual. But the insurance company handles the claim and picks up the bill. Just let the insurer deal with it.

 

Not strictly true.

 

The Claimant can name the individual driver personally or choose to sue the relevant insurer under the European Communities (Rights Against Insurers) Regulations.

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Yep, if they issue a summons agaist him (correct procedure) he passes the claim onto the insurers. They will already likely know it has been issued but have to accept it from him as an interested party. The alternative to to defend himself and pass the buck at a later stage but they dont like that.

 

This.

 

The OP should tell his friend to pass any claim form to his insurers. They will then appoint a solicitor to act on his friends behalf who will deal with the claim for him.

 

The OP's friend must NOT try and defend this claim himself as his insurers may void the cover and refuse to pay out and damages or legal costs etc if he messes it up.

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Not strictly true.

 

The Claimant can name the individual driver personally or choose to sue the relevant insurer under the European Communities (Rights Against Insurers) Regulations.

Interesting, thanks. I was not aware of this.

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Interesting, thanks. I was not aware of this.

 

No problem.

 

It's here:

 

The European Communities (Rights against Insurers) Regulations 2002

 

Right of action

3.—(1) Paragraph (2) of this regulation applies where an entitled party has a cause of action against an insured person in tort or (as the case may be) delict, and that cause of action arises out of an accident.

 

(2) Where this paragraph applies, the entitled party may, without prejudice to his right to issue proceedings against the insured person, issue proceedings against the insurer which issued the policy of insurance relating to the insured vehicle, and that insurer shall be directly liable to the entitled party to the extent that he is liable to the insured person.

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No problem.

 

It's here:

 

That info is worth putting in a stickie post, as it might help others.

 

Will suggest to site team.

We could do with some help from you.

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Is it this entire thread that is required to be stuck or specific posts :)

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Is it this entire thread that is required to be stuck or specific posts :)

 

Just a sticky containing a post about the EU law about rights against insurers.

We could do with some help from you.

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Just a sticky containing a post about the EU law about rights against insurers.

 

Righto, will sort that for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/showthread.php?457871-EU-Law-Rights-of-the-consumer-against-Insurance-Companies

 

I have copied post # 9, 10 and 12 into a stikky in this forum. Do you want it closed ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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