CCJ appeared no idea about it

prettyandfluffy

You need to speak to your insurers ASAP and find out what happened on their side.  

Teaandbiscuits21

prettyandfluffy said:

You need to speak to your insurers ASAP and find out what happened on their side.  

The insurers were a nightmare “wise driving” they used someone to deal with their claims, I remember trying to contact them back in October 2023 when the car owner came to me but they never replied. So i left it. Not even sure if it’s worth contacting them or who to even contact they were pretty dreadful. 

Nasqueron

If you hit a car and left the scene, you're lucky you didn't get prosecuted (£1000 fine, 5 points I believe)

If your car is/was registered an old address, that is where the paperwork goes to, hence why it's vital to update when you move

What has happened is that they put the claim in, the insurer wrote to you presumably and you didn't get the paperwork so they took it as you refusing to co-operate. With insurance if you have an accident, while the insurance pays out, you are liable personally, so as they didn't pay, you got the CCJ no doubt for repairs, hire car + fees.

You could try a claim again but really you may have to take this as an expensive lesson 

Teaandbiscuits21

Nasqueron said:

If you hit a car and left the scene, you're lucky you didn't get prosecuted (£1000 fine, 5 points I believe)

If your car is/was registered an old address, that is where the paperwork goes to, hence why it's vital to update when you move

What has happened is that they put the claim in, the insurer wrote to you presumably and you didn't get the paperwork so they took it as you refusing to co-operate. With insurance if you have an accident, while the insurance pays out, you are liable personally, so as they didn't pay, you got the CCJ no doubt for repairs, hire car + fees.

You could try a claim again but really you may have to take this as an expensive lesson 

I think people have done far worse. Maybe the wrong attitude but the damage was minimal as far as I’m aware. If I was her I would of just let it go. It’s been years and her car was worth next to nowt anyway. Sorry if this is the wrong attitude but it’s my opinion. 

The issue is why do i have a claim against me on the insurance database if they didn’t pay out? 

QrizB

Teaandbiscuits21 said:

Nasqueron said:

You could try a claim again but really you may have to take this as an expensive lesson 

I think people have done far worse.

Perhaps they have, but that's not an excuse.

Teaandbiscuits21 said:

If I was her I would of just let it go. It’s been years and her car was worth next to nowt anyway. Sorry if this is the wrong attitude but it’s my opinion.

Your opinion isn't relevant. You damaged her car, you're liable for the costa of putting that damage right.

Teaandbiscuits21 said:

The issue is why do i have a claim against me on the insurance database if they didn’t pay out? 

You'll need to speak to your insurer about that.

Nasqueron

Teaandbiscuits21 said:

Nasqueron said:

If you hit a car and left the scene, you're lucky you didn't get prosecuted (£1000 fine, 5 points I believe)

If your car is/was registered an old address, that is where the paperwork goes to, hence why it's vital to update when you move

What has happened is that they put the claim in, the insurer wrote to you presumably and you didn't get the paperwork so they took it as you refusing to co-operate. With insurance if you have an accident, while the insurance pays out, you are liable personally, so as they didn't pay, you got the CCJ no doubt for repairs, hire car + fees.

You could try a claim again but really you may have to take this as an expensive lesson 

I think people have done far worse. Maybe the wrong attitude but the damage was minimal as far as I’m aware. If I was her I would of just let it go. It’s been years and her car was worth next to nowt anyway. Sorry if this is the wrong attitude but it’s my opinion. 

The issue is why do i have a claim against me on the insurance database if they didn’t pay out? 

In this situation, your opinion is moot - if you damaged the car, they are entitled for it to be made right, if that resulted in the car being written off (for economic reasons) for example, there is a financial loss, same as hire car while their vehicle was being repaired.

You reported a fault claim to your insurer who recorded it. Whether they pay out or not is irrelevant as you are liable

ChirpyChicken

Is it a Part 8 claim on the paper work
This is definitely an insurance issue

sourcrates

A set-aside application now costs £303, but if on a low income, you can apply for remission on the fee.

Make an application to a court (application notice): Form N244 - GOV.UK

Get help paying court and tribunal fees - GOV.UK

I think it might be worth applying for a set aside, as you did not receive the original court papers, and although you admitted liability for the original claim, you should have reasonably expected your insurance company to deal with the matter, as you were not informed otherwise.

That would constitute a reasonable defence.

Teaandbiscuits21

sourcrates said:

A set-aside application now costs £303, but if on a low income, you can apply for remission on the fee.

Make an application to a court (application notice): Form N244 - GOV.UK

Get help paying court and tribunal fees - GOV.UK

I think it might be worth applying for a set aside, as you did not receive the original court papers, and although you admitted liability for the original claim, you should have reasonably expected your insurance company to deal with the matter, as you were not informed otherwise.

That would constitute a reasonable defence.

Thanks I’ve printed that form to fill in and I have also done the help with fees online form and have a reference number to stick down on the N244.

ChirpyChicken

Do not rush your application 
You can fill the form out online and then fill it it in but you need to show to the court under what rule it should be set aside. (Under Civil procedure rules)
Also write a witness statement to go with the application 
And a draft order for the court
This will take time. Get it right though.
It may take several months to get set aside depending on the local court.