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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Aviva threats and inaction after no-fault accident


Doppa
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Aviva are my car insurer and I thought they were supposed to be on my side!

 

A young girl ran into the back of my car in March 2016.

I was turning left at a roundabout and pulled up and stopped to let a car pass.

 

At this point there are road humps and an island and there is not room for two cars to be alongside each other but she thought otherwise and ploughed ahead and damaged the offside rear corner of my car.

 

She drove straight onto the roundabout and I got out to beckon her to come back which she did.

She admitted it was her fault and we exchanged insurance details.

 

My car was scraped and the bumper was cracked but as it was so old I decided not to make a claim as it would have been written off as uneconomical for repair and I was looking for a new car anyway.

 

I thought I was doing her a favour by not making a claim but at the end of April I got a letter from Aviva asking about the accident as she had obviously reported it.

 

after many phone calls to Aviva each taking about 40 minutes to get through and having to explain everything over and over to each new person, I gave up trying.

 

I'd sent pictures of the damage to my car and said I did not want to claim against her as the car wasn't worth it and was probably only worth around £100 trade-in value.

 

It is now 15 months since this started and Aviva have only ever contacted me to threaten that it may involve a reduction in my no claims bonus.

 

I have no idea what is happening and, as I said, I gave up trying to get through to them as it was a fruitless waste of time.

 

I have done everything they asked but their only contact has been these threatening emails about my no claims bonus - sent from an unattended email address that I can't even reply to.

 

My insurance is coming up for renewal again in August and I feel trapped with Aviva like I was last year because I can't genuinely say I have not been involved in an accident and yet I am the innocent party but am in limbo.

 

How long does it take to finalise something like this?

I'd be grateful if I could get some help to finally bring this to a conclusion.

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You should have inforned Aviva straightaway after the accident in accordance with the policy terms. Leaving it until the third party makes a claim has put you in a situation, where Aviva are making a judgement about you not reporting it earlier. It might be that Aviva are considering noting a fault claim on your policy record and paying the third party.

 

Suggest you write to Aviva by recorded post fully explaining your position hoping that Aviva don't pay the third party, otherwise your future Insurance will be a lot more expensive with a fault accident

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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You should have inforned Aviva straightaway after the accident

 

I realise that now but since I was the injured party it never occurred to me that she would report it herself. I thought I was doing us both a favour from having all the hassle.

 

I have already explained to Aviva all the circumstances and sent emails, letters and pictures and have requested updates but I have had nothing back, not even an acknowledgement. The last real contact I had from Aviva was July 2016 when they said:

 

"I can confirm that liability for this claim is in dispute, and we are awaiting a reply from the third party insurer. I will chase this up with the primary handler of this case."

 

Needless to say, nothing happened. I was hoping to be able to contact someone from Aviva on here to beg their help.

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Not seen an Aviva rep on CAG for a long time.

 

Do Aviva have an online complaints system ?

 

It might be the third party has given incorrect information about the accident making it look like you were at fault.

 

 

You can ask Aviva for copies of what the third party has said, to see whether they have provided false information.

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

 

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

 

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Not seen an Aviva rep on CAG for a long time.

 

Oh that's disappointing. That's why I signed up here as I thought I stood more chance of getting through to someone in this country who could understand my problem but it looks like I've hit another brick wall.

 

I'll have to try and find a complaints process on the Aviva site again but I'm sure I tried that months ago and gave up without success.

 

I did ask Aviva for copies of what the third party had said but of course nothing was ever sent although it was promised.

 

This is just a nightmare.

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I am sure if you contacted their head office with a complaint, you will gain a response.

 

Email [email protected]

 

Telephone 020 7283 2000

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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Thanks Uncle Bulgaria, I may well do just that. I have never signed in to my Aviva account since I renewed my insurance last August but I think I will take a look shortly.

 

I usually change my insurer every year to whoever is cheapest/best value and last year felt obliged to stay with Aviva and this year I think I'd rather pay extra than stay with them after this fiasco. They make it impossible to contact them. Maybe that's their plan so people just put up and shut up.

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I have found an online complaints process on the Aviva site which I will try but I'd like to see if Honeybee's Aviva rep replies first.

 

I have signed into my Aviva account but there is no mention of any ongoing claim. As the whole policy is based online I find this rather odd but, given my experience so far, I'm not surprised.

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Guest Aviva Support
Aviva are my car insurer and I thought they were supposed to be on my side!

 

A young girl ran into the back of my car in March 2016.

I was turning left at a roundabout and pulled up and stopped to let a car pass.

 

At this point there are road humps and an island and there is not room for two cars to be alongside each other but she thought otherwise and ploughed ahead and damaged the offside rear corner of my car.

 

She drove straight onto the roundabout and I got out to beckon her to come back which she did.

She admitted it was her fault and we exchanged insurance details.

 

My car was scraped and the bumper was cracked but as it was so old I decided not to make a claim as it would have been written off as uneconomical for repair and I was looking for a new car anyway.

 

I thought I was doing her a favour by not making a claim but at the end of April I got a letter from Aviva asking about the accident as she had obviously reported it.

 

after many phone calls to Aviva each taking about 40 minutes to get through and having to explain everything over and over to each new person, I gave up trying.

 

I'd sent pictures of the damage to my car and said I did not want to claim against her as the car wasn't worth it and was probably only worth around £100 trade-in value.

 

It is now 15 months since this started and Aviva have only ever contacted me to threaten that it may involve a reduction in my no claims bonus.

 

I have no idea what is happening and, as I said, I gave up trying to get through to them as it was a fruitless waste of time.

 

I have done everything they asked but their only contact has been these threatening emails about my no claims bonus - sent from an unattended email address that I can't even reply to.

 

My insurance is coming up for renewal again in August and I feel trapped with Aviva like I was last year because I can't genuinely say I have not been involved in an accident and yet I am the innocent party but am in limbo.

 

How long does it take to finalise something like this?

I'd be grateful if I could get some help to finally bring this to a conclusion.

 

Hi Doppa,

 

I'm sorry to see that you have not received the usual high level of service from our claims team.

 

So I can look in to this for you, please could you send us an email to [email protected] with your full name, DOB, postcode, contact and policy number? We will then be able to liaise with the claims team who are looking after your claim to investigate and arrange a callback.

 

Kind regards ~ Mike

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Hello Mike,

 

Thank you so much for responding to my dilemma and also thanks to Honeybee for her help.

 

I have emailed you with the details you requested and hope you can finally help me sort this out.

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Guest Aviva Support

Hi Doppa.

 

I've checked our mailbox and unfortunately cannot see an email from you.

Please make sure it is input correctly ([email protected]).

I'll keep an eye out for your email & help you to the best of my ability.

 

Kind regards, ~ Tasha

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Hello Tasha,

 

I have sent another email with the details but the addresses are correct so I'm hoping you will get it this time.

 

Thank you.

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Hello Mike/Tasha,

 

I'm hoping that you have received the second email but just in case you haven't I have sent a third using another email address.

 

I hope you can let me know if you now have it.

 

Thank you.

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I am totally disgusted with Aviva.

 

This morning I received a letter dated 5th July saying that the third party insurer have offered to resolve the matter on a 50:50 liability basis and if I wish to dispute liability I need to provide more evidence or an independent witness.

 

It would seem that I have no protection from Aviva at all. What evidence can I provide without webcam footage or witnesses? The only thing I have is a picture of the junction concerned where it makes it obvious that there is not room for two cars to pass side by side. I did call a no-fault solicitor the day after the accident but even they said my car would be written off and their focus was on sustained injuries.

 

According to this thread, http://www.consumeractiongroup.co.uk/forum/showthread.php?470365-Insurance-company-accepting-50-50-liability-against-my-will!! - I may as well give up now!

 

Now I know why Mike and Tasha have not responded. I have 14 days to respond to the letter. What a joke! I've only been waiting for 15 months! This letter appears to be from the same faceless call centre so I feel totally ignored again.

 

Can anyone advise me what to do?

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as we have an Aviva forum

I've moved you there .

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest Aviva Support
I am totally disgusted with Aviva.

 

This morning I received a letter dated 5th July saying that the third party insurer have offered to resolve the matter on a 50:50 liability basis and if I wish to dispute liability I need to provide more evidence or an independent witness.

 

It would seem that I have no protection from Aviva at all. What evidence can I provide without webcam footage or witnesses? The only thing I have is a picture of the junction concerned where it makes it obvious that there is not room for two cars to pass side by side. I did call a no-fault solicitor the day after the accident but even they said my car would be written off and their focus was on sustained injuries.

 

According to this thread, http://www.consumeractiongroup.co.uk/forum/showthread.php?470365-Insurance-company-accepting-50-50-liability-against-my-will!! - I may as well give up now!

 

Now I know why Mike and Tasha have not responded. I have 14 days to respond to the letter. What a joke! I've only been waiting for 15 months! This letter appears to be from the same faceless call centre so I feel totally ignored again.

 

Can anyone advise me what to do?

 

Hi Doppa,

 

My apologies for the delay in responding to you via this thread. I attempted to leave a response on this thread however for one reason or another, this does not seem to have come through.

 

I did respond to the email you sent to our mailbox ([email protected]) at 14:39 which you confirmed you had received my reply shortly after. Just in case you overlooked my message, your details have been passed on to the team looking after your claim to look in to your concerns and a member of the team will be in touch within 2 working days, which should be by the end of tomorrow (13/07/2017).

 

In the meantime if you have any more question or concerns that you'd like me to pass along, please feel free to send these over via email to the address above.

 

Kind regards ~ Mike

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Thanks for your quick response Mike. I apologise if the letter I received today is a coincidence, but I assumed it was the response you mentioned in your email message that I'd be contacted within 2 days.

 

My questions and concerns are as in my previous post. How can I prove anything? What are the consequences of accepting a 50:50 liability? What other choices do I have if I dispute liability?

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Guest Aviva Support
Thanks for your quick response Mike. I apologise if the letter I received today is a coincidence, but I assumed it was the response you mentioned in your email message that I'd be contacted within 2 days.

 

My questions and concerns are as in my previous post. How can I prove anything? What are the consequences of accepting a 50:50 liability? What other choices do I have if I dispute liability?

 

Hi Doppa,

 

No need to apologise, I can understand that you would have thought that the letter would have been in relation to your conversation with ourselves however, to have received a letter today, it would have been too quick if it was a reply to your message from yesterday. The team should be in touch with you by phone, that way you will be able to discuss your claim in more details and the claims handler will be able to answer all your questions.

 

I have passed on your recent comments to the team and they'll be in touch by the end of tomorrow.

 

Regards ~ Mike

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I have just had Jason from Aviva on the phone. I am gobsmacked. Apparently this girl has made a claim against me for £1,350 for damages to her car! She claims I changed lanes at the last minute. As I was stationary that would have been rather difficult. But even if that were true she definitely would have crashed into the bollard in the middle of the road as that means there would have been even less room across the two lanes.

 

To top it all I can no longer make a counterclaim against her as I no longer have the car. I'm totally determined now to fight this and I'm not accepting a 50:50 claim.

 

What's the procedure for a court case?

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What's the procedure for a court case?

 

From the perspective of you taking this to court, as you have no losses you cannot do this, only defend.

 

Without witness's this may very well end up 50/50 and if Aviva have taken a correct review of the situation and judged the reasonable prospects of success as less than 51% they would be correct. They have the right to insist on this, but the right exists with dealing with you fairly and handling the claim in a reasonable manner.

 

However........

 

Aviva have been pretty shocking in this matter so far, so prior to accepting liability (assuming there is no more evidence you can provide) , they need to at least put this in front of a solicitor to address the prospects.

 

Aside to this, Aviva have seemingly been useless, if they have only made 1 contact in 15 months, that is clear maladministration of the policy, they need to address that and compensate you for it.

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The first thing Jason (Aviva) said when I told him I wasn't prepared to accept a 50:50 blame was would I be prepared to go to court? I said hang on, surely the next step is to go back and forth between parties and if no solution can be obtained then court would be the final option.

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The first thing Jason (Aviva) said when I told him I wasn't prepared to accept a 50:50 blame was would I be prepared to go to court? I said hang on, surely the next step is to go back and forth between parties and if no solution can be obtained then court would be the final option.

 

It is a final option. From the perspective of the claims handler, they need to know are you committed to going that far. A lot of people will fight, but when court is mentioned they won't go that far.

 

Negotiation can only get you so far, and after this period of time and presumably inactivity from Aviva the otherside are now at the point of litigation.

 

If Aviva are looking to take this to court, pin them down, get them to confirm that they will be looking to defend this all the way, not just flip this on you and make it a simple resolve.

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Negotiation can only get you so far, and after this period of time and presumably inactivity from Aviva the otherside are now at the point of litigation.

 

I don't understand why the other side have not been pushing for this to be resolved either. Surely they have been badgering Aviva for settlement? If not then they have been inactive too.

Edited by Doppa
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