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It appears you may not have been insured or there was indemnity issues of some sort. Have you spoken with the insurance company? If so , what have they said? For the claim to get that far you would have been named as the defendant therefore during the course of litigation you would have received court papers enabling to either defend matters or at most not getting the sums enforced. The fact it has been enforced and affects your credit rating means matters have been ignored. Either way something has gone wrong somewhere you will need to speak with your insurance company and return to the site to provide more or a back story to this. Regards, John.
Possibly. If you never gave consent then they were unable to deal with it on your behalf so the debt goes against you personally. That makes more sense. If they were unable to pay for you then the monies become outstanding and registered against you. An unfortunate situation.
MCE insurance could have obtained verbal consent from you at the beginning of the claim or even prior to the judgement. I do not agree with their conduct in waiting for a signature for an accident that occurred over 2 years ago, as it could have been avoided. My next advice would have been for you to contact them and have them pay because they would have had a statutory obligation to do so anyway under the Road Traffic Act 88 but you have already done this. And yes, use form N443 for the certificate of satisfaction. All the best, John.
Yes you may. You can do a Subject Access Request (SAR) and you’re legally entitled to it.