No win, No Fee.....A cautionary tale..

As many of my regular readers will already know,In April 2014 my amazing 1987 Mk2 Scirocco "Scarlett"was rear ended by a 44 ton HGV whilst I was making a right hand turn into a layby.

Most people I spoke too about this accident told me that it was obviously the lorry drivers fault and that any future court case would follow that line of reasoning....but the law, as I have found out to my cost, is not so clear cut, or a fair as the layman would like believe.

I had, up until my court date in 2016, had no experience of what to expect, and so, in the interest of assisting and informing anyone else considering following the same course, have decided to share my own experience and make them aware of many aspects of choosing a "No win, No fee" route that they are probably not aware of.

Over the next few posts I will tell the story of my experience of such an occurrence...and the astonishing and expensive result of my seeking justice .

A tale of misplaced faith, miss understood choices and miss guided trust in a legal process which , when it goes terribly wrong, does not give the client a voice, allows people to lie and get away with it.....and lands the "victim" with huge costs which they may, like i was, be unaware they could face.

Due to legal minefields I will change the names of the parties involved, but will tell you a tale which may make you wonder if the safety net we call the process of taking a claim to court is actually as just and fair a decision as we may all like to believe it is......

KO56 NJT . Apparently i was involved in an accident...but this registration number does not exist !(DVLA)

Having spoken to Adrian Flux insurance services today whilst arranging a new policy for my Scirocco, I was rather alarmed to find that, according to their data base, I had been involved in an accident with someone(unknown) on September 15th 2011 driving a vehicle (unknown) which had a registration which does not exist!.

After some Googling ,calls to DVLA and checking on the ASKMID site I have now come to the conclusion that this is some sort of mistake...but why then does it show up on my insurance claim history?

Anyone else had a similar experience?

So far have spoken to MID (Motor Insurance Database) and DVLA

Just waiting on a call from IDSL (08451652803
idsl)......hope they can throw some light on this mystery :-)

UPDATE 02/07/2015

Interesting facts. The Reg number is almost identical to that of the lorry which collided with me in April 2014 (Except that 2 of the letters in the Reg number have been reversed!)

The Entry onto my Insurance record was made (according to IDSL) by Ecclesiastical Insurance services (with whom i had a policy a few years back) . Having called them today to ascertain how a false entry was made, i am yet again awaiting an anwser.

Called by 02078340997 ? PPI company? Read on....

I was called the other day by an Asian sounding chap who, after telling me who i was (!), then started to bang on about PPI's. Not sure what he was trying to sell/survey/promote, but he was very persistent in asking if we had claimed a PPI mis sell or if we intended too. He also asked if we did decide to claim would it be for a loan or Mortgage?.

After telling him that I was not interested in discussing this with him he rang off, so i did the old 1471 and the number 02078340997 was the number it logged.

Having Googled the number it appears that an awful lot of folks are getting similar calls......but why?

Anyone else had these calls? If so, please leave a comment with your experience after this post and maybe we can shed some light on what these calls are about, or more to the point...what are they up too?

This is one possibilty perhaps:

"

Bogus PPI refund scam

Written by Administrator

Sunday, 01 January 2012 12:36

Bogus caller scam warning Lothian and Borders Police are urging the public to remain vigilant following a new bogus-caller scam operating in Edinburgh. A 64-year-old man received a call from a male claiming to be from the Ministry of Justice Department in London. The caller informed him he was due a PPI refund, which he could collect after wiring an administration fee to a lawyer in India. However, the man became suspicious and refused to transfer any money. He then contacted police who are warning others not to fall foul of this scam. A police spokesman said: “The issue of PPI refunds is very topical at the moment and these fraudsters are attempting to capitalise on this. ”Anyone who receives a similar call should not provide any personal details or agree to transfer money and should contact police immediately.” Anyone with any information can contact Lothian and Borders Police on 0131 311 3131, or Crimestoppers on 0800 555 111"

>I have a short recording of my conversation with the chap on the phone, and, once i figure out how, i will post that up on here also<

.

Whoops! there goes your no claims bonus!

OK, just thought i should add a little variety into the blog and so i present to you this little offering that i found today which highlights what happens when you lose concentration whilst driving!.I guess that we are all guilty of having a momentary lapse of concentration, but thankfully the results aren't normally as bad as shown in this video......so please, take care out there !