Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Not Me Officer
    • By Not Me Officer 15th May 17, 9:47 PM
    • 280Posts
    • 49Thanks
    Not Me Officer
    Contacted by unknown accident claims company after accident. Advice please.
    • #1
    • 15th May 17, 9:47 PM
    Contacted by unknown accident claims company after accident. Advice please. 15th May 17 at 9:47 PM
    Firstly is this the most suitable forum for this thread? If i'm better putting it in one of the other forums then please let me know.

    Some of you may have read my previous thread in here about the accident i had last week where someone pulled in to me whilst overtaking a number of cars. Tonight i was contacted by some accident claims company.

    At first i was going to just tell them not interested which is my knee-jerk reaction to those types of phone calls, however a few years ago someone reversed into my mother while she was parked & she was contacted by one of these companies and ended up getting a bit of a pay out from it last year. I think it was about £500 in the end but better than nothing so i decided to entertain the phone call.

    The line was quite poor and to make it even worse they sounded like they came from the east (and i don't mean Newcastle) with their accent being quite strong which i always struggle understanding anyway so i had to get them to repeat themselves a good number of times before i decided to just throw in some yeah's after they paused & hoped it was the right answer.

    They asked for my details, name & address & said they'd send me a letter and an email & i was to fill the form out with the password they would email me. All sounded very similar to what my mother had to do. They wanted me to access my email there and then but i said i was unable to as i was at work. They told me they'd call back tomorrow after i had chance to read through the form.



    However where the similarity with my mothers case ends is the name. With my mother two eastern blokes came out asking for details & it all seemed quite shifty but they gave a company name which when googled it actually returned a result.

    I have had an email from the sender "Heartelligence Company" and when i google it i see nothing at all, which is worrying (to me at least).

    Speaking with my brother tonight as my mother is away, he said that he's sure her case also had to go to court as the other guy was challenging it, even though there were witnesses to him reversing in to her. He told me the third party got all details of it.

    So what also concerns me here is what details exactly the third party may get from this. I'll assume he will get my name but address also? You don't know what sort of nutters you're dealing with and a supermarket car park bump at crawling speeds is one thing but a lunatic trying to take 3-4 cars at once with oncoming traffic & pulling in to you? I wonder.


    Has anyone heard of this company? I just want to throw it out there to see what others thing & what you'd do as i'm a bit unsure. If there's a chance to pick up a payout then i'm there, but is it all legit i wonder.


    The email also appears strange to me (echosign@echosign.com)
    Last edited by Not Me Officer; 15-05-2017 at 9:50 PM.
Page 2
    • Mercdriver
    • By Mercdriver 16th May 17, 7:49 PM
    • 1,444 Posts
    • 971 Thanks
    Mercdriver
    And there was me thinking these people weren't 'armless....

    I'll get me coat.
    Originally posted by Hoof Hearted
    Pa-dum Tish
    • Not Me Officer
    • By Not Me Officer 16th May 17, 8:23 PM
    • 280 Posts
    • 49 Thanks
    Not Me Officer
    With the key point being me not wanting to lose my car, I'm unsure what to do next.

    Claim via his insurance.
    Claim via mine and pay the excess which I may or
    may not get back.

    I have protected NCDs.

    If I have to buy my car back then I'll buy it back but is it a given that will be an option? Since it's only scratches.

    I don't really want my lack of experience here having me make a mistake with it where I lose out.
    Originally posted by Not Me Officer
    So getting back on topic then...

    Was speaking with a regular customer at work about this & he was saying that it's best to claim through the third party insurance and not my own since i wont pay any excess this way & wont lose my NCDs (doesn't apply anyway i guess as said - i have protected NCDs).

    Regards the write off, i thought it'd be a case of take the car away (which is what i don't want), give me say £500 for it & then say if you want it back give us £400.
    This customer i spoke with said it's more likely to be a case of send an assessor out & then say yes it'd be a write off as repair would equal value of the car so here's £500 for the car & we'll take it or if you're wanting to keep it then here's £250 towards the repair (which is just a paint job).


    Is the chap i spoke to about this correct on any of the above?
    • victor2
    • By victor2 16th May 17, 8:45 PM
    • 4,709 Posts
    • 3,141 Thanks
    victor2
    If the car is an insurance write off, ask the insurers if you can buy it back off them and for how much. That should be the scrap value. You then use the difference between that and what settlement they offer you to put the car back on the road. Not all insurers will let you do that, but I believe many will.
    Should you come to sell the car, it will have a Cat D write-off marker against it, putting many potential buyers off and drastically reducing the resale value. But if you want to run it until it dies, then scrap it, no problem.
    • Not Me Officer
    • By Not Me Officer 16th May 17, 9:10 PM
    • 280 Posts
    • 49 Thanks
    Not Me Officer
    If the car is an insurance write off, ask the insurers if you can buy it back off them and for how much. That should be the scrap value. You then use the difference between that and what settlement they offer you to put the car back on the road. Not all insurers will let you do that, but I believe many will.
    Should you come to sell the car, it will have a Cat D write-off marker against it, putting many potential buyers off and drastically reducing the resale value. But if you want to run it until it dies, then scrap it, no problem.
    Originally posted by victor2
    Yeah that's basically it. I will be the last owner of this car. I plan on keeping it for another 4-5 years and then replacing maybe. Who knows, in another 5 years i may say another 5 years again if it's running well still.

    What i want to try & establish is whether i can find out BEFORE claiming if there'll be an option to buy back. I did ask the third party's insurance today when i called them but language barrier meant i wasn't 100% sure the lady on the other end understood (or even listened & wasn't too interested in just reading a script).

    The damage is just paintwork. We're not talking panel replacing or knocking out, it's just paintwork. As such i would drive it like it is. I just don't want to let this person get away with what they did. If that means having my car listed as a cat D then so long as i still get to keep the car then so be it.
    • chrisw
    • By chrisw 16th May 17, 10:41 PM
    • 1,623 Posts
    • 887 Thanks
    chrisw
    What i want to try & establish is whether i can find out BEFORE claiming if there'll be an option to buy back. .
    Originally posted by Not Me Officer
    Whether there's an option to buy back is purely at the discretion of the insurance company.

    If they've paid out on it, they own it and might or might not decide to let you buy it back. Some have deals with dismantlers and all written off vehicles go directly to them.

    You could try asking them their general policy regarding buy back but it's likely you will have to await the outcome of the assessment and if they decide to write it off, ask to buy it back then.
    • Not Me Officer
    • By Not Me Officer 16th May 17, 11:05 PM
    • 280 Posts
    • 49 Thanks
    Not Me Officer
    Whether there's an option to buy back is purely at the discretion of the insurance company.

    If they've paid out on it, they own it and might or might not decide to let you buy it back. Some have deals with dismantlers and all written off vehicles go directly to them.

    You could try asking them their general policy regarding buy back but it's likely you will have to await the outcome of the assessment and if they decide to write it off, ask to buy it back then.
    Originally posted by chrisw
    So are you saying it's not possible to find out beforehand?

    As i say, i don't want this guy to get away with it so if it means going Cat D then fine but if it means losing my car then i wont go ahead with it then.

    I can't understand those on the other end of the phone so i'll have to try the email address they gave (which i hope i understood right after we had to go over it 3 times). I was going to ask them right from the off if they offer the option to buy back a write off.



    on a side note, do police do anything about people who don't stop or do they just push it on to the insurance to rid their hands of it? As you can tell, i don't want this guy getting away with it at all.
    • chrisw
    • By chrisw 17th May 17, 7:37 AM
    • 1,623 Posts
    • 887 Thanks
    chrisw
    So are you saying it's not possible to find out beforehand?
    Originally posted by Not Me Officer
    No, I'm saying there is no definitive way to find out other than to ask them directly. They might or might not give an indication of their policy regarding buy backs.
    • Abuhelal
    • By Abuhelal 17th May 17, 5:48 PM
    • 1 Posts
    • 0 Thanks
    Abuhelal
    Heartelligence company
    I had a call from heartelligence company too, sounded a little odd and the person I was talking to was in a real rush to get my details, sounded like a scam to me, regardless I signed some document to get some papers sent to me I was then told I'd be called by his supervisor to claim compensation for an accident I was involved in but once he had called I told him I was no longer interested, he kindly apologised and hung up.
    • Bigphil1474
    • By Bigphil1474 18th May 17, 1:44 PM
    • 696 Posts
    • 292 Thanks
    Bigphil1474
    OP, have you considered just dropping the whole thing? If it's just paintwork and you're happy to drive it as it is, it might save you some hassle.
    Normally, in a non-fault accident you, as the 'victim' would claim from the other driver's insurance. Do that, and it should be all sorted.
    As others have said, expect numerous calls from numerous companies offering to get you easy money for your suffering - think it's up to 3 years from the date of the accident. Personally, I would advise saying no to all of them as you weren't injured, but whatever your conscience tells you.
    My car was tail ended in August 2012, and it was only worth £750, and the repair bill was estimated at about £1500 - that's insurance cost, not good local garage cost. They paid out £728 to me and I kept the car which they'd valued as scrap for £22. I ran the car for a couple of weeks, then scrapped it for £50. I got calls from claim companies every other week until some time in 2015.
    If it's paint work, it depends on the car but it sounds like you want them to let you keep the car, and give you some money, to possibly get some paintwork repaired that you aren't bothered about?
    • Mercdriver
    • By Mercdriver 18th May 17, 4:48 PM
    • 1,444 Posts
    • 971 Thanks
    Mercdriver
    OP, have you considered just dropping the whole thing? If it's just paintwork and you're happy to drive it as it is, it might save you some hassle.
    Normally, in a non-fault accident you, as the 'victim' would claim from the other driver's insurance. Do that, and it should be all sorted.
    As others have said, expect numerous calls from numerous companies offering to get you easy money for your suffering - think it's up to 3 years from the date of the accident. Personally, I would advise saying no to all of them as you weren't injured, but whatever your conscience tells you.
    My car was tail ended in August 2012, and it was only worth £750, and the repair bill was estimated at about £1500 - that's insurance cost, not good local garage cost. They paid out £728 to me and I kept the car which they'd valued as scrap for £22. I ran the car for a couple of weeks, then scrapped it for £50. I got calls from claim companies every other week until some time in 2015.
    If it's paint work, it depends on the car but it sounds like you want them to let you keep the car, and give you some money, to possibly get some paintwork repaired that you aren't bothered about?
    Originally posted by Bigphil1474
    It can be up to 6 years. Mine have only just starte dto tail off after 4.5 years
    • badmemory
    • By badmemory 18th May 17, 5:18 PM
    • 952 Posts
    • 988 Thanks
    badmemory
    I'm on my 4th call today. 5 more years of this & I'll have the police round accusing me of making (taking) abusive calls. Definitely going to stop being polite now. It's getting bad when you start recognising their voices, yes voices not accents.
    • Mercdriver
    • By Mercdriver 18th May 17, 6:25 PM
    • 1,444 Posts
    • 971 Thanks
    Mercdriver
    I'm on my 4th call today. 5 more years of this & I'll have the police round accusing me of making (taking) abusive calls. Definitely going to stop being polite now. It's getting bad when you start recognising their voices, yes voices not accents.
    Originally posted by badmemory
    Have you registered with TPS? You can register all numbers with them including mobile numbers. After 28 days if they call you, they are breaking the law. If they call you after this time try and get their company name and address under some pretence and report them to the Information Commisioner. There was a company recently fined £40k for this.
    • Not Me Officer
    • By Not Me Officer 18th May 17, 9:54 PM
    • 280 Posts
    • 49 Thanks
    Not Me Officer
    Hey BigPhil.

    Yes of course i have considered dropping it & moving on. To be honest with you if this was just a total accident, maybe a supermarket bump where the other person got out & was like oh i'm really sorry that's my fault then with the value of the car, age etc i'd probably have just left it.

    But the way i see it right now is why on earth should i let this idiot get away with what they did? The whole thing combined. The trying to take 4 cars at once with oncoming traffic. Ok if he was in a Bugatti Veyron or something that could've taken 40 cars in that space/timeframe but he was in a bloody pick up truck. It was never going to make it. Then he pulls in to me - i was the 2nd car so how was he ever going to make the third & fourth? Then he doesn't stop when he should.

    The whole thing combined just has me like why should i let him get away with it? Why shouldn't i make sure his record is marked?

    If he decides to not declare it for the next 3-5 years that he's been involved in an accident then that's his business. I hope he has to claim in that time & his insurance tell him to get lost because he never declared this accident.

    Really the only thing that will stop me going ahead with this is if his insurance company tell me they don't/wont do buy backs & i'll lose my car. That's the only way i'll drop it.

    I sent the email off today to firstly ask about their buy back policy & procedure. Gave them full details including photographs asking to communicate via email only (since it seems they source their call centre outside of the UK).

    Yes i appreciate my record will also be marked for that same 3-5 year timeframe but it's too late now i'd already called my insurance asking questions about it so it'll be on their database. Even if it hadn't then i would take the hit (no pun intended) just to get this guy marked.
    • Dave Donaldson
    • By Dave Donaldson 18th May 17, 10:47 PM
    • 15 Posts
    • 16 Thanks
    Dave Donaldson
    I lost my car keys almost 3 years ago and made a claim to get the locks replaced. Since then I've been plagued by similar calls telling me a 3rd party has been injured in my 'accident' and that they can help me...
    I complained to Aviva, as the callers even knew my policy number, but I got nowhere...
    See http://www.bbc.co.uk/news/business-35063022
    Good luck!
    • badmemory
    • By badmemory 19th May 17, 9:46 AM
    • 952 Posts
    • 988 Thanks
    badmemory
    Have you registered with TPS? You can register all numbers with them including mobile numbers. After 28 days if they call you, they are breaking the law. If they call you after this time try and get their company name and address under some pretence and report them to the Information Commisioner. There was a company recently fined £40k for this.
    Originally posted by Mercdriver
    I've been registered for years - the problem is they deny that they are trying to sell you something so it doesn't refer to them.

    I wonder if inciting someone to commit fraud is a criminal offense?
    • Mercdriver
    • By Mercdriver 19th May 17, 10:09 AM
    • 1,444 Posts
    • 971 Thanks
    Mercdriver
    I've been registered for years - the problem is they deny that they are trying to sell you something so it doesn't refer to them.

    I wonder if inciting someone to commit fraud is a criminal offense?
    Originally posted by badmemory
    Doesn't matter whether they are selling something or not. They are in breach.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,900Posts Today

8,127Users online

Martin's Twitter