Posted on January 28, 2010.
HELP! Acknowledgment of the automobile accident when the car was on the road - HELP!? I've just been contacted by a debt collection firm who say act on behalf of the Bureau of Motor Insurance.
They say that I had an accident 5 years ago, gave my details and I have since been hunted to provide proof of insurance. Although they gave it corrected, model and reg car I owned, so the date to tell them that I had an accident the car was on the road, parked with a broken cam belt - could not afford the repairs. The address they say I gave was an old address if it is the 1st time I have been contacted and the 1st time I am aware of anyone chasing me.
I have not had an accident in the last 5 years of insurance, and even less assured. Where am I? The car had been off-road a few months, not roadworthy, are not insured. The company threatened all sorts and says that the onus is on me to prove (5 consecutive years) that it was not me. debt collection attempts to make use of a statutory demand (?) and noted the failure in their letter. Am very worried and welcome all advice.
Sounds like a scam to me
Hello, I am a private detective and have encountered this kind of thing before. AndyW is right, people do not duplicate license plates, I encountered a case where someone stole a car, found an identical one and the same compound plates, and then went to the local garage and is running a gas. This means that the owner of the car with the license plates of origin has been contacted by the police because it looked like they had taken the essence and not paid, not the criminal. Ultimately, it was proved that the car was not one belonging to the innocent victim by closed circuit television. In your case, it must have been done by someone who knew of you to give your old address.
Also, in any case of dispute the debt, both parties should make equal efforts to demonstrate that the debt is owed. Take this back in the company, ask to see proof that they saw it was your car. 9 times out of 10 they will not all (because it can be!) And showing them that you know the law on that, normally, think twice about taking rash action.
You can also go to the CAB (Citizens Advice Bureau) and call your local police and ask them their opinion. It looks like it could be a scam or a case of identity theft.
Two points to consider in your favor:
1. If the accident was 5 years ago, why have you been approached only now? Obviously because the person knows his pursuit of this shit! The longer they leave as little evidence as they think you have. It is not difficult to trace someone and do not normally take 5 years!
2. If the reason is they do that you have found, they are actually in the wrong not to contact police. Their argument is without doubt that you committed a hit and run (on a vehicle, I guess). This means that, legally, they should have contacted the police, like any victim of such a standard should be.
Feel free to send me a msg if you want to give some more details, I would be happy to advise you further. From what you say, there should be ways to prove that it was not you, so do not worry so much!. (Easy to say, I know!)
Ria
Hi mate, if I were you, I call the police because if your car has been off the road, then someone must have stolen or duplicated your reg plates happens.
Contact your local Citizens Advice Bureau.
Let them help you write a letter directly to the MIB - not debt collectors.
To also write to the collection agents, telling them that you are in conflict with the MIB on this issue and asking them to refer to the MIB. They will not normally take any action on a debt that is disputed because they could be held legally responsible for your costs and possible compensation if the MIB will not be able to prove your car was involved in the accident.
I had one.
