[dxb335d]

Oh my. This seems to be the new way of scamming. Ins co's got wise to the rear Enders at roundabouts so now doing this

[willhollin]

Fackin slaaag!

If she couldn't stop how did she get your reg plate?

[IanS100]

Originally Posted by RagingKileak

Sounds like shit just got real to me.

If she has filed a claim, I would find out what details you can from the insurance company and refute any claim to begin with.

After that - who knows. Could you perhaps contact the police and report the fact that she is potentially attempting to scam her insurance company/you?

Matt

My instinct is telling me to do as you suggest & contact LV to find out the facts, on the other hand will this constitute me reporting the incident, even though it never happened?

During my lengthy telephone conversation with the policeman this morning, he told me that the police weren't interested in getting involved now that they'd satisfied themselves that we are both insured, he did however tell me that he would be noting on the report that there is no evidence to substantiate the woman's claim. What happens now seems to be in the lap of the gods!

[AlanQS]

How can she make a claim against you, unless the cops gave her your registration number and your insurance company?

If they didn't and she doesn't have any of your details, why even mention it to your insurance company, - after all, nothing happened.

And if the cops did give her your information, what the hell are they playing at?!

[IanS100]

Originally Posted by AlanQS

How can she make a claim against you, unless the cops gave her your registration number and your insurance company?

If they didn't and she doesn't have any of your details, why even mention it to your insurance company, - after all, nothing happened.

And if the cops did give her your information, what the hell are they playing at?!

Cheers AlanQS, that's a very good point. When I first spoke to the police they told me that my number plate had been picked up by anpr as being within the vicinity, within 2 minutes of the accident. The police must have given her my details then, which is surely against data protection, not least because these is no direct link between my car & the alleged accident, I was just unlucky enough to be in the wrong place at the right time

[Kerr]

All very odd.

You might find that she is only claiming £250 just now and if/when your insurance accept liability she will suddenly develop a sore back.

[m@rk]

Originally Posted by IanS100

The police must have given her my details then, which is surely against data protection, not least because these is no direct link between my car & the alleged accident, I was just unlucky enough to be in the wrong place at the right time

If they did then lodge a formal complaint.

Of course it could just be bull from the officer you talked to. I have noticed over the years that some officers like to "worry" people just for kicks with complete and utter tripe.

[Hotcoupe]

Originally Posted by IanS100

My instinct is telling me to do as you suggest & contact LV to find out the facts, on the other hand will this constitute me reporting the incident, even though it never happened?

During my lengthy telephone conversation with the policeman this morning, he told me that the police weren't interested in getting involved now that they'd satisfied themselves that we are both insured, he did however tell me that he would be noting on the report that there is no evidence to substantiate the woman's claim. What happens now seems to be in the lap of the gods!

I'd write back to the Police (where the NIP originated from) confirming what was discussed during the course of your phone conversation,in particular the following:

"he did however tell me that he would be noting on the report that there is no evidence to substantiate the woman's claim"

I'd also be asking for a copy of the report (mentioned above).

If you do get a response,it should confirm what you stated to the Police,if you don't get a response,they are clearly not disputing what you've stated in the letter.

Should the woman then claim against you,you have the evidence to dispute her claim.

[xenon]

I don't think the data protection act applies here - anyone can ask for registered keepers' details from the DVLA and they'll provide it for a fiver a time.

[m@rk]

Originally Posted by xenon

I don't think the data protection act applies here - anyone can ask for registered keepers' details from the DVLA and they'll provide it for a fiver a time.

There's the difference.

You can request this information from the DVLA by filling in a form. On said form you need to provide a legitimate reason for requesting these details and then pay the fee.

The DVLA can (and do) refuse to provide the details if there is not a solid case behind the request. Speculative requests will not be successful.

But that's the DVLA and not the Police who should only hand out 3rd party details where there is a clear and proven requirement.

The OP might want to think about putting in an FOI request for the case file seeing that he has been told that he is included in it and see what trees that shakes.

[Mart1000]

The police should not be giving people's personal details out, with or without their express permission.

If this has happened, it should not have.

[IanS100]

Originally Posted by xenon

I don't think the data protection act applies here - anyone can ask for registered keepers' details from the DVLA and they'll provide it for a fiver a time.

But the only place she could've got my registration number for a DVLA enquiry is from the police themselves.

I was told when I first called them 2 weeks ago that my number had come up on anpr as being in the vicinity within 2 minutes of the accident and during yesterday's call I was told that the woman didn't stop at the scene. I'm sure if she had reported my registration number as the car involved they would've told me.

I've now taken a full set of detailed photos of the front of my car as proof that there is categorically no damage other than the odd stone chip & squashed fly, and certaily nothing that could be interpreted as a collision.

I'm still loathed to contact my insurers as I wasn't involved in any incident, does anyone have any insight as to what the Insurance companys stance will be on this? Are they more likely to suport what I say or just take the easy way out & hand her £250 & charge me - my excess is more than that anyway.

[Sir_Pigley]

Originally Posted by IanS100

Thank you Sir_Pigley for your less than constructive criticism however, if you'd taken the time to read the thread properly you would have noted that I had done precisely that 2 weeks ago.



On the contrary, I think there's every likelihood that it did happen, just that it wasn't my black BMW that was involved, although proving a negative is not always that "simples"



You may call it a hissy fit whereas I would say it's a reasonable & understandable reaction to an unreasonably officious letter. Again, if you'd read, and inwardly digested the complete thread you would have seen that there is flexibility in the wording that can be used, so a letter with much more appropriate wording could & should have been sent, particularly bearing in mind the circumstances & available evidence.



Again, done & dusted 2 weeks ago, but thank you for your words of wisdom never the less.

IanS100: My outburst was not really aimed at you specifically - more at the general tone of the developing thread. Apologies if it came across as personal criticism - it wasn't meant to be.

[Sir_Pigley]

Originally Posted by IanS100

I'm still loathed to contact my insurers as I wasn't involved in any incident, does anyone have any insight as to what the Insurance companys stance will be on this? Are they more likely to suport what I say or just take the easy way out & hand her £250 & charge me - my excess is more than that anyway.

They won't pay out without seeking your account of the incident. Because of that I would sit tight and wait to see what happens next.

I got a letter a while ago from someone (DVLA or an insurance company's legal department) following an allegation that my car was involved in an accident. The car had been sitting on my driveway at the time. The other person had some erroneous information concerning the alleged driver so it never really had any credibility.

I was told it was part of some elaborate attempted fraud by my insurance broker, but I never got to the bottom to what it was really all about.

[AlanQS]

Ian; why say anything to your insurance company. Nothing has happened. Contact them and all you will raise is the "no smoke without fire" syndrome.

Mart, what should Ian's next move be, if the police did give out his details to the alleged victim of an accident caused by a person unknown.

It seems clear that if the insurance company does get involved, he will need some paperwork to back up his denial of responsibility and if I was Ian, I wouldn't accept anything less than total victory because this is the thin edge of the wedge.

[IanS100]

Originally Posted by Sir_Pigley

IanS100: My outburst was not really aimed at you specifically - more at the general tone of the developing thread. Apologies if it came across as personal criticism - it wasn't meant to be.

Cheers, no problem & no offence taken

[IanS100]

Originally Posted by Sir_Pigley

They won't pay out without seeking your account of the incident. Because of that I would sit tight and wait to see what happens next.

Originally Posted by AlanQS

Ian; why say anything to your insurance company. Nothing has happened. Contact them and all you will raise is the "no smoke without fire" syndrome.

Good advice I think, particularly as it's now almost 3 weeks since I received the NIP & almost 4 weeks since the "alleged" incident & the only people that have been in touch are the police, & they're not interested!

[xs2man]

Yep. Don't speak to the insurance company until they approach you. You are obligated to inform them of any incident, but as there wasn't one, you are under no obligation.

As soon as you speak to them, that will flag an incident and you will immediately loose any NCD for that year at least, more if you are unprotected, and you will have to declare it in all quotes for the next 5 years. At least until its sorted out. But even then, you may have to declare it in future quotes.

[IanS100]

Originally Posted by xs2man

Yep. Don't speak to the insurance company until they approach you. You are obligated to inform them of any incident, but as there wasn't one, you are under no obligation.

As soon as you speak to them, that will flag an incident and you will immediately loose any NCD for that year at least, more if you are unprotected, and you will have to declare it in all quotes for the next 5 years. At least until its sorted out. But even then, you may have to declare it in future quotes.

I'm not really sure what I'd say anyway, "I'd like to report an incident that I had nothing to do with", filling out the report form & drawing a map of the non-incident would be quite a challenge too

[Mart1000]

Mate if it's a dodgy claim then she would have seen your VRM before and decided exactly what she was doing ('she' would not be acting alone). It would have been planned, and your car was there at the right time. All she would have done was report it to police to try and add substance to it.

I very much doubt the police would have given her the details, in fact I'd almost guarantee it. She already knew it.

[IanS100]

Originally Posted by Mart1000

Mate if it's a dodgy claim then she would have seen your VRM before and decided exactly what she was doing ('she' would not be acting alone). It would have been planned, and your car was there at the right time. All she would have done was report it to police to try and add substance to it.

Cheers Mart, from what I was told, my VRM came solely from ANPR, which, I assume, was fitted to the parked traffic car. The woman claims not to have stopped at the scene due to traffic, I think.

Originally Posted by Mart1000

I very much doubt the police would have given her the details, in fact I'd almost guarantee it. She already knew it.

They certainly haven't supplied me with her details, I have no idea who she is, where she lives or anything about the make/colour/VRM of her car

[IanS100]

It's now 4 weeks since the alledged incident & today I had a call from LV Insurance asking for details of the "accident". I reiterated that I had not been involved etc etc & that my only connection is that I happened to pass an ANPR at a similar time. The only place that my details could've come from is the police