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    • Apologies in advance for the long post... but I’m desperate now.    I stupidly took out a log book loan a while ago thinking it was my best option. After struggling with my finances and a couple of missed payments the vehicle was repossessed. I managed to get the money together to pay my arrears and the £300 or so pounds they added on for the repo and get back on track.    After a couple of months I got a text (well, bombarded with texts) about topping my loan up which, again stupidly, I decided to do. It was actually a second loan running alongside the first.    Again I fell into arrears and the car was repossessed, again adding the £350 or so fee. I took out another loan in order to Pay get the vehicle back.    I have again fallen in to arrears and I have attempted to lodge a complaint with the company, to which they have not really acknowledged and not advised me of the FOS timescales. I took this to the FOS who advised to go back to the company and if I wasn’t satisfied go back to them. I have submitted a further complaint to them this evening.    I believe I have been let down on several points, affordability, granting of a second loan when I had struggled with the first, unfair repo charges, ignoring my attempts to make reasonable repayment proposals, extortionate fees to release my vehicle and pay for the repossession charges, amongst many other issues.    My main problem however is that I have today been contacted by the repo company who have advised they have been to my address on numerous occasions and have not sighted the vehicle. The chap told me today to speak to the lbl company to come up with a solution this week or they would report the car stolen to the police in order to have me arrested and the vehicle seized.    My mental health has taken a hammering over this (it wasn’t great in the first place, hence the reckless financial decisions) and I fear this could push me over the edge. No car, no job, no house. I know I’ve only got myself to blame but any help would be hugely appreciated.   The loan is via bill of sale however I still have the actual log book.    many thanks 
    • use pdfreducer in upload once the multipage file is compiled 
    • My last response from yesterday seems to have disappeared on here (possibly it didn't get verified), but I'm still trying to get these pics together.   I was ready earlier in the day but discovered my PDF was a lot bigger than 4.5MB and it wasn't postable. I need to divide it into several files, and I'm putting in all of the photos in as it is too fiddly to sort through them etc on my phone. So apologies in advance for redundant one's.   Did you manage to get your zoom lens into action TGS? BTW glad to hear your girlfriend adheres to the same crackpot conspiracy as I do, it's never easy carrying these burdens alone😁
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Car prang

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My wife confessed to me today that she had been in prang last Thursday, and now our insurance company have emailed saying: “We’ve been told that your vehicle was involved in an incident on 13 December 2018. At the moment we have the following information about the incident: Location Description: xxxxx. Your Vehicle: xxxx. We have tried to call you to clarify these allegations but we have been unable to reach you. We need you to call us on xxxxx. It is important that we speak to you urgently. If we don’t hear from you within the next 5 days and the information provided to us by the third party suggests the involvement of your vehicle, we will accept responsibility for the incident and settle any third party claim.”

 

She says they both stopped and checked their cars. His door was caved in but she had no damaged, and since he admitted it was his fault, she went on her way. Whilst she is sticking to her story, I have the tiniest nagging doubt, because we have been arguing a lot over our lack of money and I wonder if she’s defending from the huge cash impact of going from 20 years no claims bonus to zero. I therefore wonder if it was more 50-50, or indeed her fault completely, and she just drove off hoping he wouldn’t have time to take our registration number.

 

Questions:

If we contact the insurance company to say ‘yes, she was involved, but it was the other guy’s fault’, what happens next – do they just decide it’s his word against hers and leave it at that, or is there a massive instigation?

 

Suppose there is cctv that goes in his favour, does that mean she will be fined by the courts if her story is wildly different?

 

If the case goes in his favour, which is cheapest/best method of paying for his damage: taking out a loan or doing it through the insurance and losing your no claims (if indeed you are allowed to choose?)

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I gather the police were not involved so there is no question of any criminal proceedings and no question of any fine.

 

You certainly should contact your insurer immediately and give them a full report.

 

I suppose that the admission made by the other driver that it was his fault was simply made verbally and I suppose that there are no witnesses. You had better settle in for problems.

 

If you really did drive off without exchanging details then frankly it doesn't look very good for her – regardless of who was really at fault.

 

The best thing in these situations is to play exactly by the book – although it's a bit late to say it now.

 

Anyway you better do what you can to retrieve the situation by being completely straight dealing and filing the report.


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Thread moved to Motoring Insurance Forum...please continue to post here to your thread.

 

 

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Are you sure it is your insurance company contacting you and not a claims company wanting to make a quick buck? To make sure phone your insurance company using the number on the original literature you got when you took out the insurance and not the number on the recent letter.

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Are you sure it is your insurance company contacting you and not a claims company wanting to make a quick buck? To make sure phone your insurance company using the number on the original literature you got when you took out the insurance and not the number on the recent letter.

 

It is definitely our insurance company.

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also, did she not stop and exchange details? failure to do so is a criminal offence and may be enough of an excuse for your insurer to decide not to pay out leaving you to foot the bill.

 

You may find that getting insurance when renewal time comes along will be very difficult even if they play along with this claim. You need to clarify this and then speak to your insurer and if her version of events is true then there will be nothing to worry about on that front as his admission may be enough to mean that no further action was needed at the time.

 

Now it is clear that he has contacted his insurer but that is not the same as denying sole liability, his insurer will want to avoid paying up whatever the circumstances so will need statements and a damage report from your side

Edited by honeybee13
Paras

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Regarding this same incident, today we received a letter from the police saying the wife is alleged to have committed the following: Driving without due care and attention, Failing to stop, and failing to report a collision.

Questions:

1) I've read somewhere that they should have sent this with 14 days of the prang, is this true?

2) If this goes to court can you ask them to change the given date if it coincides with a holiday you have already paid for?

3) What sort of points/action will be given/taken if she is found guilty of driving without due care and attention? (or indeed the other two)

Thanks in advance.

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1) if you were stopped by the police at the time then the 14 day rule would apply.

2)you can request this or plead guilty by post beforehanda nd it is likely that will be accepted by the court. You will ahve to ask them when you get to that stage.

3)3-9 points per offence, possibly a ban if they feel it is serious enough. Fine of up to £2500 per offence. chances are they will be lumped together as it was one event so probably a fine of around £1000 and certainly points.

Dod you get on to your insurer to try and head this off with a statement about stopping and checking vehicles?

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Unless i have missed something, i will add this: you will not go from 20 years NCB [full NCB] to zero NCB, it's a sliding scale. Depending on the policy if found at fault you will go down to 3 years, it isnt that bad either.

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The 14 day rule would apply to a postal Notice of Intended Prosecution, if stopped by the police, then I believe they have 6 months to initiate proceedings in the Magistrates Court.

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The 14 day limit does not apply to offences involving an accident.

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