This isn't so much a liability issue, as you have stated you were reversing and aware she was there, but a causation problem which is entirely more difficult to prove. She is very unlikely to have back problems from being hit slightly by a wing mirror though but as has previously been discussed the medical report will confirm her injuries and most insurers will just pay as they do not want to go down the litigation route. Have your insurers said anything about the social networking info? I have personally used print outs in relation to claims at work with good results!

The vehicle was still covered by the insurance policy as the insurers were not informed of the change of ownership. By law as the vehicle is still on cover the insurance company has to deal with any third party claims presented to them. It doesn't matter if the driver isn't on the policy. Obviously try and get some proof that the car was sold to the friend and maintain the fact that your son did not own it. If the friend is being prosecuted for no insurance then that's pretty good evidence too. As mentioned above make sure they are aware that your son has no assets, most insurers will write the debt off if they have no chance of getting it back. Just one more thing try not to sign anything before checking here!

No never entered levied on previous cars but on finance so not mine!

Sorry repeat thread ignore! Didn't think my other had posted lol

Hi I recently had a liability order, I have missed 2 payments as the amount they placed was too high! Another story! They have now instructed the bailiffs who have left their note that they will be coming back for goods in 48 hours. Do they have any other powers with a liability order or are they using the usual threatening behaviour? They have never entered my property and only levied on vehicles not owned by me! Idiots! Thanks for the help!

Hi quick question once a liability order is in place do the bailiffs have a right into your home? Or is this the usual threatening behaviour? Had a liability order and have missed 2 payments so they send the heavies round! My circumstance have changed slightly and struggling to pay the amount set! Thanks for the help

Hi my partner purchased a gearbox from a garage over the phone and via email. When the item arrived it turns out they sent the wrong one (this was after our mechanic had stripped the car!). This was 3 weeks ago, they sent a courier to collect a week after they said they would and are now fannying around with the refund. First they would issue a refund on his debit card and now they have 'apparently' sent a cheque. All not looking good. They have broken section 75 as the gearbox was not fit for purpose, as the wrong one, so would it be worth initiating the visa debit charge back scheme via Santander? Thanks

a lot of insurers are changing their 'book'. Injury claims are costing the industry a fortune and most will not longer cover certain types of driver. Its a competitive business so shop around and I agree that isn't them declining to insure just changed how they rate a risk.

ok obtaining insurance and stating you are the main user of the vehicle when you are not, is known in the biz as 'fronting', insurers take this extremely seriously. Millions of young drivers pay the premium they are supposed to and yes have massive premiums for a reason. THEY ARE A BIGGER RISK AS THEY HAVE NO DRIVING EXPERIENCE! You have obtained the insurance fraudulently and had every intention of doing so as you have stated as such. As for the MIB they are there to protect innocent drivers who are involved in accidents with uninsured drivers. If they can recover their money back they will and I don't blame them. And I don't very much a claims inspector from the MIB would lie! They are there to obtain facts. By the way the police do not make any judgement in who is at fault, again they just state the facts given to them by the parties involved. People don't trust insurers anyway! The irish comment is totally out of order!!!!!!!

I signed a finance contract for the original car sourced, but not for this one, yet! To be honest it seems that the original car was about the right price and because they have spent a lot of time finding another just decided to stick £700 on top to cover their costs? I don't even know if the finance co would be interested either as they will too be making money.

Hi, ok wasn't sure how to title this!! Currently in the process of buying a car via one of these broker type companies (they source vehicle and finance). The finance is in place and they were having some difficulty finding the car I wanted. One was found but then they found it had engine problems so would not sell on. 2 weeks later and they have found one. Very happy although the photo the company has sent me of the car is exactly the same as one on Autotrader except the amount they have told me is £700 more than what it is listed for on Autotrader, making me end up paying a significant higher figure over the length of the finance agreement. I have done a little research and called the garage selling the car and was told it had been sold. The mileage is exactly as what has been quoted too. The car broker hasn't provided a reg number yet, but I am sure it is one and the same. If the broker had been upfront about adding to the vehicle then fine but they are being really sneaky about this and I just want to know where I stand before confronting them? Hope this makes sense:smile:

Oh forgot to mention that she also made it plain that as I had phoned her she had the right to enter my property!!

Hi Sorry if I'm repeating things but had a look through some previous threads re above and nothing seemed relevant to my case. I was in arrears for council tax for a previous address. I received a letter from Equita and promply called them to arrange something. It had been passed to one of their bailiffs so I called him directly. He advised he had noticed vehicles on the drive so I replied with they are on finance and that he then wanted to remove property. I told him he was not able to gain entry to my home unless I let him in and he agreed! A repayment plan was then set up. Payments were made by his mobile number. I then called him one month but did not get a call back and unfortunately for me I forgot about it (young baby work etc!! no excuses I know!lol). I then was 'reminded' by removal notices. I again called the main office and was told it was with the bailiff. A different one this time! A message was left on her mobile. I then returned home one afternoon to be met with a removal notice and seizure of inventory of goods, noting one item the car.(on finance!) I called the bailiff (which I now know not to do!!) I basically told her she had no right to enter my home, I had not signed anything and had never let anyone into the home previously! She bascially argued with me that she did have the right and had been doing it for 10 years and knew her job and that as it had gone through the court ( i am not aware of this?) she had every right to enter and seize goods! I have a young baby and this is very distressing so please any help would be appreciated as to my rights in all this! ps I called the council to see if payments can be made direct but they said unable to do so as had been passed on! Thanks