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
    • Doc N
    • By Doc N 13th Jul 10, 7:43 PM
    • 6,387Posts
    • 19,288Thanks
    Doc N
    DAS legal expenses cover - any experiences to share?
    • #1
    • 13th Jul 10, 7:43 PM
    DAS legal expenses cover - any experiences to share? 13th Jul 10 at 7:43 PM
    I've been singularly unimpressed by DAS in their handling of a pretty large claim (£25K+).

    They've been unhelpful, and unresponsive to a complaint about the standards of service provided by their nominated firm of solicitors.

    I see other negative comments about them scattered around various forums. Anybody else have a view on them, good or bad?
Page 2
    • tasticz
    • By tasticz 11th May 13, 3:32 PM
    • 299 Posts
    • 83 Thanks
    tasticz
    thanks for the thread
    Last edited by tasticz; 15-05-2013 at 11:43 AM.
  • rtb9819
    Appalling service from DAS Insurance & Legal
    Having been directed by DAS Insurance to their own Legal arm, being given no choice on which solicitor I could use, I have been beset with one problem after another during an Employment Tribunal claim.
    Due to a very poor interpretation of the relevant facts, the case nearly got thrown out by the Judge at the Case Management discussion stage. As a consequence, DAS withdrew from the case saying there were no prospects of success.
    I was then forced to produce my own Further Particulars for the Tribunal and appoint, at my own cost, a Barrister to represent me at the Preliminary Hearing. He was successful in getting the Judge to overturn the previous ruling and permit it to go to Full Trial.
    At which point, DAS took on my case again.
    In the lead-up to mediation, DAS's ability to negotiate with the other side was pitiful and it was no surprise when I attended the mediation to find that the other party were not prepared to budge on compensation. It took 7 hours of negotiation by the Mediator himself to turn matters around and for a compromise settlement to be agreed. But, with the damage already created by DAS, the settlement was pitifully low and did not come close to remedying the considerable stress I went through. Especially as matters of public interest (illegal acts) were at the heart of
    the matter. I was forced to use DAS because they were they represented Lloyds Bank on my legal insurance policy. But they were bad, really bad, and I would recommend everyone to steer well clear of them.
    • InsideInsurance
    • By InsideInsurance 28th Mar 14, 11:29 AM
    • 22,221 Posts
    • 11,386 Thanks
    InsideInsurance
    Did they remburse your costs once the barrister had overturned the decision?

    Legal Expenses insurance is a bit of a pain when it comes to the ombudsman as the FOS have the idea that as a regulated profession the insurer appointing a solicitor then has no further duty to ensure the solicitor does their job well.

    Are you sure it was a solicitor legally employed by DAS? DAS typically appoint a panel solicitor like Irwin Mitchell which are not owned by them but an independent company.

    Unfortunately the new ombudsman for solicitors simply covers customer service issues and not the quality of the advice given etc.

    Write your complaint and include what resolution you want following both the guidelines in your policy book (LE may be different to other areas of complaint) and to the complaints partner at the law firm. Escalate to ombudsmans etc as appropriate depending on their responses
    • Crazy Jamie
    • By Crazy Jamie 2nd Apr 14, 12:04 AM
    • 2,129 Posts
    • 2,041 Thanks
    Crazy Jamie
    Are you sure it was a solicitor legally employed by DAS? DAS typically appoint a panel solicitor like Irwin Mitchell which are not owned by them but an independent company.
    Originally posted by InsideInsurance
    That is common in PI cases, but in Employment cases DAS do have an extensive in house team of file handlers that tend to run their LEI tribunal claims. Probably because they don't recover their costs in Employment cases and keeping it in house is cheaper. So it is fairly likely that this issue did arise from an in house solicitor.
    "MIND IF I USE YOUR PHONE? IF WORD GETS OUT THAT
    I'M MISSING FIVE HUNDRED GIRLS WILL KILL THEMSELVES."
    • Ricky Standard
    • By Ricky Standard 28th Sep 15, 3:23 PM
    • 1 Posts
    • 0 Thanks
    Ricky Standard
    Same situation
    This may not sound very positive but I am relieved to hear that I am not the only one who is furious with DAS. I only just attended court yesterday to 'HELP' them recover their costs for a hire car they gave me - even though the accident wasnt my fault, and a week prior to the court hearing the other guy finally admitted liability.
    There has been no communication, only the odd letter which do not appear to be send for a few days after they have been written. I have also had to contact them to find out any information - I have even been sent incorrect letters - which was admitted a Natasha Jones who works for them. Another person who works there - Ian Thomas is an extremely rude man! I was in tears after a conversation with him! No apology!
    Back to the court hearing - it was a complete mess - DAS hadnt even submitted my statement, no relevant documentation etc. It was embarrasing enough when they hadnt even told the barrister who was representing me that the other man had actually admitted liability. Its only that i am organised and keep every letter and ask for copies of letters that i was able to show the barrister the admission of liability!
    The Judge didnt award them their costs thankfully - as they did not deserve them! But my evidence did satisfy the court that i did need a hire car. It would have taught them a lesson not to recover the costs - as we would not have lost a penny. In fourty years of Insurance with the NFU - not once has there been an issue in having a hire car/vehicle - I could not believe that we were called to court to prove that we needed one when it is part of our policy. I think this should be made more clear to people. It was a terrible experience and I dont feel anyone should have to go through it especially when liability had been admitted by the other side. Even the Judge kept saying this could have been sorted out of court! At the end he detailed what an 'appaling' state this case was. Following the court case i phoned DAS and they asked how it went, when i told them how the barrister didnt even know that the other side had admitted liability they informed me they had told her!!!! That was that Ian Thomas again!!! Natasha Jones wasnt even available for me to talk to the morning of the case - as i was very nervous and they were well aware of this.
    I am so angry as to why a company like the NFU should use these people who are quite clearly unable to their jobs, lie and waste the precious courts time.
    I now have no confidence in them or the solicitor i have been allocated. I wish i had not been available to help them to recover their costs as it was so embarrasing having representation who did quite clearly not have a clue what was going on! Not the barristers fault - but the failings of that company - DAS Legal.

    I would appreciate any feedback if you have had similar dealings with this company. I am not quite sure how to take this matter further - all suggestions appreciated!

    Thank you in advance!
    Originally posted by Buddy5
    This sounds identical situation as i'm now in. I had an acciddent where i was stationary in traffic and hit from behind. Ofcourse non fault accident and fault admitted by the other driver and a further witness to confirm not my fault. DAS were quick on the ball to call me and refer me to their hire outfit Premier assist who in turn suplyed a hire vehcile.. Das law have now sent me forms that i must sign and agree to to go to court so they can recover the hire vehicle charges which it seems the party at faults insurers have refused to pay.
    Now why on earth i have got to attend court to assist a law firm to do this? Are they complete idiots as well as scamers? I'm sure there must be someone with legal knowledge that can answer me this?
    • Quentin
    • By Quentin 28th Sep 15, 3:34 PM
    • 33,243 Posts
    • 17,186 Thanks
    Quentin
    That is a standard condition you will have agreed to when first getting the car, (not just standard from accident management companies wanting you to agree to assist, but also one that you will have agreed to when buying your car insurance)


    If you don't want to be bound by the conditions don't agree to them but you may end up getting chased for the money yourself!
    Last edited by Quentin; 28-09-2015 at 3:38 PM.
    • icanmakeyourich
    • By icanmakeyourich 19th May 16, 7:39 PM
    • 1 Posts
    • 0 Thanks
    icanmakeyourich
    I had legal insurance but insurer DAS won't pay my solicitor's bill
    Hi All, if you anyone could help me.But I had legal insurance add-on – but insurer DAS won't pay my solicitor's bill. I have legal cover comes with my home insurance. Initially they declined my claim not only refused to help me with my claim. I have 14 days to respond other party for pre-action court letter. So I appoint a solicitor and solicitor appointed a barrister. When I worte to them and ask the deadlock letter for FSA, they are saying now that ..DAS will accept the claim. They are saying that I have to use their own solicitors and showing me a new law. DAS is referring me refer me Insurance Companies (Legal Expense Insurance) Regulations 1990 which says I can use my own solicitors or lawyers. Please see more details below from following website.
    Freedom to choose lawyer

    6.—(1) Where under a legal expenses insurance contract recourse is had to a lawyer (or other person having such qualifications as may be necessary) to defend, represent or serve the interests of the insured in any inquiry or proceedings, the insured shall be free to choose that lawyer (or other person).

    (2) The insured shall also be free to choose a lawyer (or other person having such qualifications as may be necessary) to serve his interests whenever a conflict of interests arises.

    (3) The above rights shall be expressly recognised in the policy.

    I already paid my Barrister and I am not sure how much will be solicitors bill. Moreover I am feeling vulnerable due to DAS earlier behavior ..not to accept my claim in first place and left me on the road like a beggar.

    Following situation is there anyone can advice me or help me to deal this corrupt company? Please.
    • forestlands
    • By forestlands 7th Feb 17, 10:42 PM
    • 97 Posts
    • 55 Thanks
    forestlands
    DAS is still in business don't know how they manage it!
    What's this a prank? Don't think much of it!

    Came to check up on DAS! Made a claim for legal expenses, court hearing a week on Friday and still no solicitor. Looks like I could be representing myself! Sometimes you have to go for it, which is not how it should be, with them not budging and no leavers pushing them!

    Have read the posts on here regarding DAS I feel the stress and anguish you have each been through. Will see how I get on tomorrow - it's like having a 24/7 job! Take care!
    • lluzers
    • By lluzers 21st Jun 17, 4:07 PM
    • 116 Posts
    • 13 Thanks
    lluzers
    Never dealt with DAS .

    LEI is ok for straight forward cases , but gold help those with complex cases.

    Dealing with graduate solicitors and amateurs handling cases.What do you expect when case costs may be priced as £50 per case ?This is my business assumption.Everything legal is done to price and costs.
    • toby66
    • By toby66 8th Sep 17, 10:37 AM
    • 4 Posts
    • 0 Thanks
    toby66
    Das legal cover, any experiences, help needed
    My partner and his parents are having an unbelievable stressful time with Das and wondered if anyone commenting here, had a successful outcome with Das.
    My partner owns a small business and rents out part of his premises, our troubles started when the tenant went into voluntary administration. They stole a lot of equipment, and damaged the premises.
    The administrator refused to pay rent and occupied the premises.
    Knowing He had insurance cover with Das he contacted them and was told he was covered so started the claims process. Unfortunately the claims handler at Das left the company and the claim was mislaid.
    He then appointed his own solicitor who when Das acknowledged there mistake was contracted by Das to handle the claim.
    Basically, despite having 100k of cover my partner has paid approx 40k out of his own pocket, half has been repaid to him by Das but not without a fight.
    He finds himself complaining to the ombudsmen to retrieve the balance of the money and pay ongoing costs
    Any advice would be welcome
    • OnanTheBarbarian
    • By OnanTheBarbarian 8th Sep 17, 11:58 AM
    • 1,364 Posts
    • 830 Thanks
    OnanTheBarbarian
    Basically, the business model of any legal expenses insurer is to avoid paying any legal fees at all costs.

    So on claims where there is a slim possibility of recovery of legal costs from the losing party, claims are contained "in-house" with inexperienced and non-qualified handlers and when claims have a likelihood that the losing party would have to pay costs, they sell the claim out to their panel solicitor because a) DAS make money from the panel solicitor paying a "marketing fee" to them and b) the solicitor gets paid by the losing party and DAS don't have to pay the lawyer any fees.
    • toby66
    • By toby66 8th Sep 17, 2:07 PM
    • 4 Posts
    • 0 Thanks
    toby66
    If this is correct this is not the way this policy was sold nor the understanding of how the policy works,
    Is this then not a case of a mis sold policy ?
    • OnanTheBarbarian
    • By OnanTheBarbarian 8th Sep 17, 5:34 PM
    • 1,364 Posts
    • 830 Thanks
    OnanTheBarbarian
    Unlikely to have been mis sold. Just a general observation that most insurers are scumbags
    • LESLEY COOK
    • By LESLEY COOK 24th Sep 17, 10:11 AM
    • 5 Posts
    • 0 Thanks
    LESLEY COOK
    I have all the answers.
    I am a nationwide b/s customer... My contract is with nationwide.
    I must be careful what i say because i cant get a letter from either stating neither are still representing me! I lost everything because of a council who wanted to repair a hardstanding at the wrong address.

    I have had to remove letter conflict of interests.
    Das law will never allow any of us to win they already work for the opposition.

    We are then sub contracted out every 1 of us nationwide.nfu.halifax.loyyds.


    I was sub contracted out who the day before my arrest dwf law had done nothing for over 2 months.


    They told me to remove everything from the wrong address then went on holidays!


    Yes arrested from the wrong address my house!


    What happened is beyond your wildest nightmare!


    Das law a few weeks ago sent me a threatening letter yes it was...


    So my friends you can never win due to a conflict of interests i am still paying my premiums and fighting these scammers/fraudsters. Alone.


    I am a elderly severely disabled woman... Who was defrauded out of everything.




    And although i cant talk about the horror this my frinds is part of 1 of the biggest scams/fraud etc this country will ever know! Fighting 4 u all my friends.
    Your contract is no with das its with the people who protect you me nationwide building society.


    Das law numerous staff right to the ceo have blocked me! I wonder why?
    • LESLEY COOK
    • By LESLEY COOK 24th Sep 17, 10:35 AM
    • 5 Posts
    • 0 Thanks
    LESLEY COOK


    6 April 2017


    Dear Mrs Cook


    I am pleased to confirm we are able to help with your legal costs and we have appointed DAS Law Solicitors


    to act on your behalf.






    THE LETTER HE REFERS TO IS A THREATENING LETTER 1 OF THE CLAIMS IS I AM CONFUSING AND DISTRESSING.
    SHOULD I PERSISTS BEING HELPFUL TO DAS SOLICITORS ......






    Date: 20 June 2017




    Dear Mrs Cook,


    Your Claim For Legal Expenses Insurance

    Further to our recent letter, the solicitors we have appointed to

    assess your claim have advised they are unable to act as they have

    identified a conflict of interest. A conflict of interest occurs when

    the duties a solicitor owes to his or her client come into conflict

    with the duties he or she owes to the court, to a different client or

    with the solicitor's personal interests.

    We have re-allocated your claim to Blake Morgan. All other details

    outlined in our previous communication remain the same.

    The solicitors will be contacting you within the next 48 hours and we
    apologise for the slight delay this has caused.


    There may be times during the course of your claim where you can ask
    us to appoint your own choice of solicitor such as:


    - Where court proceedings are issued


    - Where there is a conflict of interest


    - Any other circumstances where your policy allows this - please


    check your policy wording for more details

    If any of these circumstances occur and you would like us to consider
    appointing your own solicitor please contact your claims handler to
    discuss this further as soon as possible.

    Yours sincerely

    Simon Bridges


    Claims Department


    CEJB


    e-mail : claims@das.co.uk


    Last edited by LESLEY COOK; 24-09-2017 at 10:50 AM. Reason: MISSED DATES
    • LESLEY COOK
    • By LESLEY COOK 24th Sep 17, 11:40 AM
    • 5 Posts
    • 0 Thanks
    LESLEY COOK
    I KNOW YOU WERE JUST WAITING FOR THE FAMOUS DAS LAW THREATENING LETTER AND HERE IT IS YES HAVE A VIDEO OF THEIR ALLEGED ASSAULT...
    THEN THE CONFLICT OF INTERESTS.


    NOW MY FRIENDS DO NOT TELL ME WHERE TO GO I HAVE BEEN THERE AND DONE THAT! YEP BEEN BLOCKED...HOW THEY USE AND LIE 2 THE OMBUDSMAN TO COVER UP THEIR CONFLICT OF INTERESTS.
    I HAVE IT ALL EVEN 11 PAGE THREATENING LETTER FROM POLICE TAKING INTO CONSIDERATION ARRESTED FROM WRONG ADDRESS.


    On Tuesday, 6 June 2017, 12:30, CEO Complaints< ceooffice@das.co.uk> wrote:

    Dear Mrs Cook,
    I refer to your recent e-mails.
    I note that you continue to raise issues regarding:
    As outlined in my previous e-mail, which I have attached for ease of reference, these issues have already been investigated and the matter has also been reviewed by the Financial Ombudsman Service . In summary, there is no cover for any of these issues and the Financial Ombudsman Service is satisfied that DAS have correctly declined to assist with these issues.
    I re-iterate that any further communication surrounding these historic issues will remain unanswered and I would urge you to cease communicating with DAS on these matters as it will only cause further distress and confusion.
    The only claim that we are potentially covering is that for injury following alleged assault by your neighbours . We have appointed DAS Law Solicitors to assess the legal merits of this personal injury claim against your neighbour only. The policy conditions outline that you must co-operate with us and the appointed representative.
    I forewarn you that if DAS Law Solicitors are unable to act because of your conduct, any failure to co-operate or any failure to give them appropriate instructions for the personal injury matter only; then the cover we provide for this claim may come to an end.
    I would therefore urge to engage and co-operate with DAS Law Solicitors by refraining from communicating about any other issues other than that relating to personal injury following the alleged assault by your neighbours.

    Yours sincerely
    Simon Scott Cert CII

    Senior Customer Relations Executive





    Last edited by LESLEY COOK; 24-09-2017 at 11:44 AM.
    • LESLEY COOK
    • By LESLEY COOK 24th Sep 17, 12:46 PM
    • 5 Posts
    • 0 Thanks
    LESLEY COOK
    How much excess did you pay? Plus our premiums
    How much per month do you pay in premiums? Directly to nationwide b/s,nfu,loyds bank,halifax. What did they do for your money?
    Your contract is with them..


    How much money did you pay in excess to das law?


    Nationwide 15 million customers a £1 each comes to how much?


    What amount of work did das law who sub contracts out to their mates do nothing! So are we talking alot of our money for absolutely nothing pure profit how much is das law/nfu/nationwide/loyds /halifax pulling in?


    Now when the person on this thread said why does nfu deal with das law look outside the box.


    Then what i was defrauded out of we are now into billions of money going where? Now you understand why i am threatened.


    Am i scared no i will not live by these scumbags rules,threats we fought wars to be free and i will never surrender to scumbags....


    Nationwide the peoples building society of course there not !
    • LESLEY COOK
    • By LESLEY COOK 24th Sep 17, 5:59 PM
    • 5 Posts
    • 0 Thanks
    LESLEY COOK
    Dear mr joe garner ceo of nationwide b/s
    GUESS YOU DONT HAVE TO WORRY ABOUT YOUR JOB OR INCOME EVEN WORSE HOW DAS LAW WORKS CEO NATIONWIDE MR J.GARNER.!
    CHARITY BEGINS AT HOME AND DONT WE KNOW IT!
    ANYONE KNOW HIS EXPENSES OR BONUSES.
    ITS OUR NATIONWIDE MONEY HES TAKING WHAT RETURN DID YOU GET THIS YEAR?
    AND YOUR RETURN FROM DAS LAW?

    JK was typical. He wrote: "I recently tried to use this service which we paid for via our Nationwide household insurance. My claim related to a £5,700 Sale of Goods Act dispute regarding a faulty motor vehicle purchase.




    "I tried to ring the DAS legal representative in order to progress my case, and they didn't return my calls or emails. I provided them with background information but, again, no engagement. DAS then passed my claim to another firm and I had a similar experience – a complete lack of engagement, no discussion or advice. I had no option but to terminate their involvement and appoint my own solicitor, after which I received a letter from DAS threatening me with costs and terminating our legal expenses cover."
    NOW YOU ALL UNDERSTAND WHY I NEED THE LETTERS!



    15 Jun 2017 - Criticism: Nationwide boss Joe Garner, 47 ... damaged Nationwide's cuddly image and suggested it was just like every other lender. ... Garner, 47, who joined in April last year, pocketed an £840,000 base salary in the year to ...


    16 Nov 2015 - Nationwide has recruited Joe Garner, the boss of BT's Openreach ... last year amounted to £2.39m, including a base salary of £875,000.
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

648Posts Today

5,077Users online

Martin's Twitter