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    • you do NOT need to pay it and anyway that would not remove the ccj, its there on your file paid or not for 6yrs, a paid ccj even with a cert of satisfaction is as bad as a non paid one.   the ONLY way to remove it is to set it aside.   sadly you the very worst thing you could have done with ANY debt on your credit file or not that you last used or paid or wrote about to the debt owner in the last 7 yrs....you ran away,,,moved without informing the debt owner of your correct and current address.   erudio and drydens are masters at doing backdoor ccj's. they are ofcourse totally wrong that the defaulted date is the sb date...well not when your last written/signed ack of the debt was more than 6yrs before the claimform date.   now how do you remove it....go read that thread ...carefullly then comeback here and lets see if you understand how.   dx  
    • Thanks, having to move house and discovered this. It's causing a nightmare in trying to rent somewhere and mortgage was also refused by the bank.    Shortly after requesting info I got a warrant in the post from bailifs. Managed to halt that and pause any action till I get key dates to try and get this removed.   Not wanting to avoid paying it, just need the CCJ gone.   Appreciate your help. Will read fully although I am not great with law.
    • Write the letter. It's important that you put this in writing so that you have a paper trail. Send the letter by recorded first class delivery. Explain that because of the defect in the bundle which has manifested itself within 30 days – always refer to the bundle – you are now rejecting it under the consumer rights act 2015 and that you require a refund and you want to know what their arrangements will be for providing you with this. You can also send this by email – but do it straight away. This reserves your rights and after that you have some flexibility as to how you want to act. I understand that they are uncooperative. No surprises. Don't imagine either that they will be fazed by your letter – but the important thing is that you are able to show that you are asserting your rights. After that, they are acting unlawfully We will help you make a claim against them and I suppose that will involve threatening to sue them and maybe even going on to sue them. You will find interesting and you will acquire some transferable skills which will enable you to sue anybody else who gets in your way with a degree of confidence. However, it might be a good idea to mitigate your loss and I would suggest that you accept the money that they have put on the table but make sure that they understand that you are accepting it and you are happy with it and you consider that they still owe you the outstanding £70. If you are asked to sign anything then you should decline and then we will help you claim for the whole lot. However if they don't ask you to sign for anything, then make sure that they have a letter from you at the same time saying thanks very much do for the £250. You are accepting it but this should not be taken as an indication that you are now relinquishing your claim to the rest of the money. Tell us what you want to do – with you want to take the 250 or whether you want to simply reject the lot and claim for the lot. If you want to take the 250 – which I suggest that you do – and if they will give you the money despite the fact that you are still reserve your rights in respect of the balance, then come back here when you have that money and we will help you with the rest. If they refuse to give you the money unless you agree that it is in full settlement, then that becomes very interesting because it becomes very clear evidence that they are beating their obligations under the consumer rights act – and this gives you even greater leverage over them when you decide to confront them. The advantage of mitigating your loss is that there is less to sue for and that means that your court fees will be less – although you will get these back anyway when you win. Also, because they are only fighting to hang onto £70, they are more likely to put their hands up once they know you're serious. There is absolutely nothing to lose and everything to gain by taking the money that is available on the table subject to the reservation which I've indicated above.
    • Yes she might well have sunk the VCS ship, or put it on the rocks as it rehashes old stuff introduces nothing new.
    • Hello BF   As you caught, yes both items (console with digital game download) bought from GAME as an advertised bundle (still got screengrabs of the bundle/ad).   No letter sent but I did actually quote that specific 2015 act when trying to return it in-store. I was scrolling away online looking at consumer advice on my mobile as the manager was testing the console. It fell on the deaf ears of the store manager who wasn't entertaining the return/my query at all. They just kept saying there is nothing technically wrong with the console. I'd question whether the manager even knows about the CRA2015 considering their response/the lack of engagement.   I've not done anything formally but I'll write a letter. The store said I can pick up with customer services. I've went more along the lines of escalating from store to area manager. Their website is quite specific that in-store returns can only be made in-store. I'm awaiting a call from area manager next week but after todays update that they will withhold £70 I'm expecting a similar response.   It cost £250 in total. I traded in an old playstation as part of the deal. £100 trade-in value and £150 by debit card. For clarity I'm not expecting £250 back via debit. But £100 store credit and the £150 debit refunded was my sole expectation.   Thanks very much btw!
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Whose fault is it?


Giftnificent
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Hi all, first time poster so please be gentle...

 

I'm hoping any advice supplied will be straight forward so here goes...

 

At a roundabout I was 2nd in queue, turning left.  Foot on brake whilst looking to my right, I could see the coast was clear, looked in front of me and the lead car moved forward to go and suddenly stopped (roundabout was still clear to go) and I rear ended him.  Simply question, am I at fault or him?  He blamed another car coming from the right that shot out of nowhere, hence why he braked suddenly (I certainly didn't see this car).

 

We happen to be with the same insurance company, we exchanged details and he's going to price up the bits for his car and mine too as he works for a scrappers.  I've a feeling he'll want me to pay for these parts but really don't think I'm the one at fault even though I rear ended him.  There was absolutely no reason for him to start to leave the roundabout then suddenly stop..

 

Any help would be greatly appreciated as I'm leaning to calling my insurance company and going down that route...

 

Many thanks, Keith.

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Exact same happened to a friend of mine

 

Insurance put it as his fault and the other drive went the full whiplash route

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Indeed, your fault, I'm afraid.

 

Inform your insurers. Occasions where the injured party offers to get parts from the scrappers have a habit of ending badly, especially when you hear things like this:

 

Quote

...the other drive went the full whiplash route

 

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  • 3 weeks later...

You can only obtain Insurance confirmation from askmid if you are the registered owner, drive an employers vehicle and very restricted other reasons.
It is an offence for an individual to check someone else's insurance status,

Please do not suggest to the OP that they can do this.

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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All of the information on using Askmid, is on the website.

 

WWW.ASKMID.COM

 

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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1 hour ago, Gick said:

You can only obtain Insurance confirmation from askmid if you are the registered owner, drive an employers vehicle and very restricted other reasons.
It is an offence for an individual to check someone else's insurance status,

Please do not suggest to the OP that they can do this.


So why does the askMID website offer:

”If you have been involved in an accident and need to check the other vehicle is insured, for a small charge you can make a One-off askMID search . Once you have entered some details, including the accident date, you can identify the insurer of the other vehicle so that you can submit your claim.”


http://stayinsured.askmid.com/about-askMID.html

 

  • I agree 2
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Yes if you have a reason such as wanting to identify a third parties inurance company to make a claim against them, then Askmid enables this.

 

Askmid is not identifying Mr X at x address.  It is to find out if there is Insurance and provide the Insurance company 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

 

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

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6 hours ago, ukshane4life said:

xxxxxxxxxxx

 

@ukshane4life

I see that you have previously been warned about your unhelpful comments.

If you want to have the benefit of this community then please be a little bit more careful before you start posting responses onto other people's threads

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Bazza and Unclebulgaria, I am aware of this which is why I added   'and very restricted other reasons.'

 

The OP''s situation does not fall into this category, in the original post it has been stated that they are with the same insurance company so they are already aware, and they are not asking in order to make a claim.  As  such the OP would be breaching Data Protection legislation by asking as poster ukshane4life has recommended.

 

In any case, the OP was simply asking whose fault the incident was!

Edited by Gick

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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Unless the OP has confirmed with his insurer the other driver is insured with the same insurer, it is possible that the OP was merely told this by the other driver, and so they are entitled to confirm it if it hasn’t already be confirmed.

 

OP : “I’m with AXA”

other driver “what a co-incidence, so am I!”

 

contrasted with the insurer confirming it……

 

However, yes, likely the OP’s fault regardless of why the other driver braked

Edited by BazzaS
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