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Wrong vehicle being claimed against
NSKD_3R3
post Wed, 6 Sep 2017 - 20:17
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Hi all,

I would be grateful if someone could offer me some advice please.

I have received a letter from an legal firm acting on behalf of an insurance company that claims that my vehicle was involved in an accident back in April 2017. They have obtained my details from the DVLA and they are now wanting my insurance details.

Neither I nor my vehicle were at the location on the date claimed, in fact I know 100% where I was on that day, and where the vehicle was too and so could provide witnesses as I was in a venue where their were many people, I may ask see if they still have the CCTV for the car park too, although because the alleged incident happened in April 2017 I doubt I will be able to obtain pubic camera evidence to prove where I was on the day.

What is the best way to approach this please?

Should I write them a letter, or call them and record the call. I was also going to ask them for proof or photos, what type of accident it was, time, what was the vehicle make, model and colour reported when the incident was reported etc?

Is there anything I should request or mention - it now seems as if I have to prove my innocence because someone has either mistakenly or on purpose given my vehicle reg. The incident happened in London, I live in Kent.

Thanks in advance for any help that anyone can provide.

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post Wed, 6 Sep 2017 - 20:17
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The Rookie
post Thu, 7 Sep 2017 - 03:32
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Always in writing, just stick to the facts and don't elaborate.

Also pass a copy to your insurers and tell them the same.



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ford poplar
post Thu, 7 Sep 2017 - 04:37
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As above + ask if other driver reported the 'accident' to the Police, as you have no knowledge, as driver/keeper, of any incident at date/time/location specified (if true).
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NSKD_3R3
post Thu, 7 Sep 2017 - 22:25
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Thank you all, for your advice, will do this tomorrow.

Kind Regards

This post has been edited by NSKD_3R3: Thu, 7 Sep 2017 - 22:25
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NSKD_3R3
post Fri, 8 Sep 2017 - 11:08
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Hi all,

Just one further question the letter has been addressed to me incorrectly in that the surname is spelt wrong - therefore not me - should I return the letter to sender with Addresse unknown/addresse does not live here etc or still write the letter and proceed with advise as provided?

Thanks
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Jlc
post Fri, 8 Sep 2017 - 12:09
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QUOTE (NSKD_3R3 @ Fri, 8 Sep 2017 - 12:08) *
...in that the surname is spelt wrong - therefore not me

How wrong? (e.g. Smith v Jones, or Smith v Smithe)

Are the details correct with the DVLA?

This post has been edited by Jlc: Fri, 8 Sep 2017 - 12:10


--------------------
RK=Registered Keeper, OP=Original Poster (You!), CoFP=Conditional Offer of Fixed Penalty, NtK=Notice to Keeper, NtD=Notice to Driver
PoFA=Protection of Freedoms Act, SAC=Safety Awareness Course, NIP=Notice of Intended Prosecution, ADR=Alternative Dispute Resolution
PPC=Private Parking Company, LBCCC=Letter Before County Court Claim, PII=Personally Identifiable Information

Private Parking - remember, they just want your money and will say almost anything to get it.
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NSKD_3R3
post Fri, 8 Sep 2017 - 13:07
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There is one incorrect letter in my surname for example if my name were:


John Smith the letter is addressed to Mr J Smath



This post has been edited by NSKD_3R3: Fri, 8 Sep 2017 - 13:11
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The Rookie
post Fri, 8 Sep 2017 - 16:52
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Then I'd respond as if it's for you, you want to keep the moral high ground.


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There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!

S172's
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Jlc
post Fri, 8 Sep 2017 - 19:34
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Is it wrong on the v5?


--------------------
RK=Registered Keeper, OP=Original Poster (You!), CoFP=Conditional Offer of Fixed Penalty, NtK=Notice to Keeper, NtD=Notice to Driver
PoFA=Protection of Freedoms Act, SAC=Safety Awareness Course, NIP=Notice of Intended Prosecution, ADR=Alternative Dispute Resolution
PPC=Private Parking Company, LBCCC=Letter Before County Court Claim, PII=Personally Identifiable Information

Private Parking - remember, they just want your money and will say almost anything to get it.
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kezzy
post Fri, 8 Sep 2017 - 21:39
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I have also received one of those , they have turned out to be a scam, I have had the telephone number tracked and it relates to a personal Number in Skelmersdale, it is listed as as a scam address, just do not answer it as it is someone trying to steal identity information.

The veh Reg was correct, but in the period they enquired about, my veh was off the road sorned. It is an elaborate way to scam your ID.

This post has been edited by kezzy: Fri, 8 Sep 2017 - 21:42
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NSKD_3R3
post Wed, 13 Sep 2017 - 23:44
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Thank you to everyone that has replied - much appreciated.

Kezzy - The company name, address, website address and contact tel no on the letter, all seems to be legit as I have looked up the company - but I'll call the head office from the website no to ascertain whether the named contacts on the letter do actually work there.

If this legal firm are representing a car insurance company then surely the insurance company could having obtained who my insurance company were from my vehicle reg? Don't they all share/have access to an industry database which can be accessed at times such as these?

I am also tempted to just ignore the letter to see if I get another one - as it could be a scam but within the letter it does say that you may wish to pass this letter on to the insurers and ask them to contact us which makes it seem legit - although I appreciate that if it is a scam, they are banking on people calling or writing to them first and providing them with the details.
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666
post Thu, 14 Sep 2017 - 06:08
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OP, your insurance policy almost certainly says something like this one from Direct Line:

"If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible."

Send them a covering letter explaining the circs and your concerns.
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TonyS
post Thu, 21 Sep 2017 - 14:53
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Really? Send NIP or Summons to your insurers without responding?
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666
post Thu, 21 Sep 2017 - 16:14
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QUOTE (TonyS @ Thu, 21 Sep 2017 - 15:53) *
Really? Send NIP or Summons to your insurers without responding?


Yes, really!

https://www.directline.com/lib/pdf/dl-car-p...cy-document.pdf

Page 26, section 2.

Just as well no-one reads these things!
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typefish
post Thu, 21 Sep 2017 - 18:08
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QUOTE (666 @ Thu, 21 Sep 2017 - 17:14) *
QUOTE (TonyS @ Thu, 21 Sep 2017 - 15:53) *
Really? Send NIP or Summons to your insurers without responding?


Yes, really!

https://www.directline.com/lib/pdf/dl-car-p...cy-document.pdf

Page 26, section 2.

Just as well no-one reads these things!


It's poorly worded. I read it as "send correspondence of claims to us please"
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The Rookie
post Thu, 21 Sep 2017 - 20:48
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It is under "accidents and losses" after all.


--------------------
There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!

S172's
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Council PCN's
Rookies 1-0 Warwick
Rookies 1-0 Birmingham

PPC PCN's
Rookies 8-0 PPC's
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whitewing
post Thu, 21 Sep 2017 - 22:12
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You have no obligation to respond, but a simple "this was not me, unless you have photos do not contact me again" reply might save some hassle.
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Fredd
post Fri, 22 Sep 2017 - 02:35
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QUOTE (The Rookie @ Thu, 21 Sep 2017 - 21:48) *
It is under "accidents and losses" after all.

I dare say somewhere in those Ts&Cs it says that headings don't form part of the contract. smile.gif


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666
post Fri, 22 Sep 2017 - 08:23
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QUOTE (whitewing @ Thu, 21 Sep 2017 - 23:12) *
You have no obligation to respond, but a simple "this was not me, unless you have photos do not contact me again" reply might save some hassle.


"Unless you have photos ..." implies "It was me, but you can't prove it."

Stick with "It wasn't me".
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The Rookie
post Fri, 22 Sep 2017 - 09:27
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https://www.youtube.com/watch?v=CMWWVhJ7RF0


--------------------
There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!

S172's
Rookies 1-0 Kent

Council PCN's
Rookies 1-0 Warwick
Rookies 1-0 Birmingham

PPC PCN's
Rookies 8-0 PPC's
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