Vehicle recovery company threatening me with a CCJ?

PixelPound

Keep the letters with the dates on. Basically they are saying that if you don't pay will probably give it over to a legal firm who will send a letter before action (now PAP) giving you 30 days to respond before they can issue a claim that will double it at least with costs & fees.

Have they stated why its unroadworthy and have you checked T&C. If you are involved in an accident its your insurance that recover the car if unroadworthy rather than breakdown cover - who just handle.... when it breaks down

molerat

Most of the recovery organisations have these clauses. I think it was originally designed to prevent people from buying a pos doer upper on ebay and getting their recovery policy to transport it home for them. How was the car unroadworthy in this case ?

husscuss

Thanks for the help guys.

The vehicle has no tax or mot. I was intending to have it recovered to a garage and was unaware that there was a clause against this in the t's and c's.

Am I correct in assuming that they have to issue a PAP before commencing court proceedings?
Am I also correct in in saying thay they have 3 months to issue the PAP and after that they can't go down that route?

Years_of_debt

Why risk a CCJ for £90 lol just pay it already

husscuss

I'm not risking anything. I'm just confirming if what I've read is right. And what I've read says they need to issue me a PAP. If it gets to that stage I'll pay it off.

elsien

As already stated, they have 6 years to chase you for the debt.

forgotmyname

They appear to be ticking all the boxes informing you of what and why the charges need paying and given you a final chance to pay up.

Sounds like they are looking to get the money from you, either court themselves or pass it down to a debt collector.

PixelPound

husscuss wrote: »

Thanks for the help guys.

The vehicle has no tax or mot. I was intending to have it recovered to a garage and was unaware that there was a clause against this in the t's and c's.

Am I correct in assuming that they have to issue a PAP before commencing court proceedings?
Am I also correct in in saying thay they have 3 months to issue the PAP and after that they can't go down that route?

where do you get 3 months from? Six years. Your stubbornness may backfire.
Lets say they continue to write for the £90 which you ignore/refuse. They then employ a company to try and recover it, which you ignore. Recovery fees get added, say £40, then it gets sold to a DCA who are asking for £130, which you refuse. A PAP is issued and you pay. Sure you have avoided costs/fees once claims starts, but the balance may not be £90 anymore.

husscuss

inbrief.co.uk/claim-preparations/judicial-review-pre-action-protocol

I think I might have just read it wrong. Something about protocol.

The other thing is technically they don't have any way of proving my identity or address. I bought their policy through a third party, so my name and address could be completely different from what's on their system. So hypothetically speaking, what happens if I claim it wasn't me?

[Deleted User]

They'll tell you to stop being ridiculous.