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    • Hi Honeybee, Yes admitted to being the driver, I am the only person who drives the vehicle and I do use the road in question regularly, so mostly likely it was me.   I have never been asked to produce my licence and insurance at a police station.  I was not stopped so everything is paper based through the post, at no point I have been told to produce anything until the charge letter.
    • I've complied this draft letter. What are your thoughts?. Can they during this time put anything in place to get any court proceedings so i would have to travel to Wales?. Check out the Compton Group LTD who are their litigation team. Thanks and good morning. 20th letter dtw pdf.pdf
    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
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Insurance company appear to have sold on my accident details to everyone -is this legal?

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Long story slightly shorter.

 

 

We had a other party fault accident last year, which is been sort of resolved, although I do have a complaint in with the Legal Ombudsman regarding this.

 

 

However for the past 3 weeks I am constantly being bombarded by calls from supposedly different companies all with a Manchester selection of phone numbers, all want to talk to me about last years accident.

 

 

Today I had enough so I questioned the company of the day, as with the others I give no information out and I confirm or deny nothing BUT this guy knows whre the accident happened, who was involved, the street, the other party's name and everything. He said my insurance company can legally sell on my details on this accident for TWO years. He also said we are due a payment between £2500-3000, I assume that's a pile of poo, although I'd love for one of you to confirm otherwise!

 

 

So to confirm my question - is the true, that they are selling my details on and is there anyway of stopping them?

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Register a Data Protection Act complaint with the Insurers. They can only pass on your data to those involved in dealing with your policy and any claims you make, as well as databases such Motor Insurers Database.

 

You should write down full name/addresses of those companies calling you and you can ask your Insurers whether they passed them your data.


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This happened to my OH after an accident last year - I understand there is a data base where these details are uploaded to - which is then accessible to quite a few companies - namely Claims Management Companies, other Insurers.


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Long story slightly shorter.

 

 

We had a other party fault accident last year, which is been sort of resolved, although I do have a complaint in with the Legal Ombudsman regarding this.

 

 

However for the past 3 weeks I am constantly being bombarded by calls from supposedly different companies all with a Manchester selection of phone numbers, all want to talk to me about last years accident.

 

 

Today I had enough so I questioned the company of the day, as with the others I give no information out and I confirm or deny nothing BUT this guy knows whre the accident happened, who was involved, the street, the other party's name and everything. He said my insurance company can legally sell on my details on this accident for TWO years. He also said we are due a payment between £2500-3000, I assume that's a pile of poo, although I'd love for one of you to confirm otherwise!

 

 

So to confirm my question - is the true, that they are selling my details on and is there anyway of stopping them?

 

I imagine there's a little clause in the small print of your contract where you consent to its.

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