Me vs Car - part II

[Colapop]

Well as noted back in Feb I was involved in an accident. It's all here so I won't explain too much. I had my day in small claims court as IAG (the insurance company) wanted their costs recovered. I have been ordered to pay!! Yep, I am gutted, it's not what I needed. I've had various people tell me not to worry just pay it off at $10 a week or something. Is this possible? The order says I am to pay it within 7 days... What should I do? Where do I go from here?

[Stickchick]

Ring the insurance company and work out a payment plan, they are pretty good like that as long as they get their money they don't care how it comes.

Sorry the outcome wasn't better

[yungatart]

Bugger, Col. I don't know what you should do, but it must be possible to pay it off...or you could just keep racking up unpaid fines etc until they get wiped, like so many do....

[MSTRS:Me]

On the drip, Col. Sucks, but 'as long as you are making an effort'...

[EJT]

I've had various people tell me not to worry just pay it off at $10 a week or something. Is this possible? The order says I am to pay it within 7 days... What should I do? Where do I go from here?

Sorry to hear about that mate. You must sort something out within 7 days. A court order is a little more serious than a fine, so you can't ignore it. If you ignore it, the insurance company can go to court to, among other things, get an order to have some of your assets seized.

Can you afford to pay it in full? If not, you will probably have to provide evidence (or it would be better if you did). It depends on how the insurance company acts and whether it will enforce the court order after 7 days. Trying to negotiate something with them is the best option.

Good luck!

[madmal64]

From my understanding Col you have 7 days to make arrangements to pay the amount.
If time payment is the way to go the see what you can arrange. My suggestion is to make sure that this payment shedule is able to be met at all times. As long the the payments are being made on time all the time they seem to be sweet.
Sorry to hear that the hearing didnt go the way you where hoping it would but I think its time to bite the bullet and move on as they say

[Jantar]

Damn, not good news at all. Why isn't your insurance paying? Even 3rd party should cover that.

[Grub]

Bugger Col. Just a point here ... is this the small claims/distpute tribunal? I had a Very Important win in the disputes Tribunal and the f'er never paid. Turned out that there was no way to make him pay.

[mdooher]

So are you saying you didn't have any insurance........ if so you should bend over and take it like a man.... .....well you know what I mean

[Stickchick]

So are you saying you didn't have any insurance........ if so you should bend over and take it like a man.... .....well you know what I mean

he is already paying for it, its just a matter of what he can afford

[RantyDave]

Ring the insurance company and work out a payment plan

I would say this would be the most sensible first move.

The most sensible second move would be to come to the Southern Cross on Saturday (http://www.kiwibiker.co.nz/forums/sh...ad.php?t=55324) and explain your predicament to the other attendees along with the words "so, buy a pint for a poor broke biker then?". Let's see - 20-odd people, 20-odd pints, should see even the big fella looking a bit wobbly by the end of the evening.

Dave

[Coldrider]

Sorry Col, looks like the dickhead won, he caught you out, ol' ladies drive like that too, except they drive in the cyclist lane till they execute their manouvre. I don't think small claims tribunal are enforcable, the judge is actually a lay person referee. It is up to your integrity as person if/how you are going to pay. The insurance company will try their best to scare the shit out out of you with big words & fancy letterheads.

[Kendog]

Damn that sux.

If the scum sucking crims of this world can pay a measily amount a week, I am sure an upstanding guy like yourself can arrange the same thing.

[Colapop]

Bugger Col. Just a point here ... is this the small claims/distpute tribunal? I had a Very Important win in the disputes Tribunal and the f'er never paid. Turned out that there was no way to make him pay.

It's through the disputes tribunal. The first line of the letter states "The Tribunal hereby orders: The respondant 'Colapop' to pay IAG New Zealand Ltd the sum of $4275.34"

I have been to court and argued my case, I lost. I have no problems with the decision, just my ability to pay that sort of money out of my back pocket. I rang the insurance company and they have offered a discount ($3275.34) if I can come up with the money in the next little while. If not then they want a minimum of $120/month - which is not gonna happen coz I can't afford it.

What I'd like to know is what I absolutely have to do? How much do I have to pay? I'm not trying to get out of paying it, just trying to lessen the effect on my already merager earnings.

[Stickchick]

And did you tell IAG that you couldn;t afford to pay that? Mayb talk to Citizens advice bureau about it they may be able to lead you to the right place or even contact the Wellinton Law Community in willis street, its free advice but they definitely should be able to help you with this.