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  • FIRST POST
    123sonny123
    CO-OP Car Insurance + Albany Assistance - Non-Fault Claim Help Pls
    • #1
    • 14th Jan 11, 4:35 PM
    CO-OP Car Insurance + Albany Assistance - Non-Fault Claim Help Pls 14th Jan 11 at 4:35 PM
    Hi all,

    I will try to keep this as concise as possible. Your constructive help is massively appreciated. My dad was hit from behind in October 2009. The other person admitted liability.

    Coop asked "Albany Assistance" to take over' our claim. They sent out a courtesy car. What I now know is that my dad misunderstandingly signed a 'Vehicle Hire Agreement'.

    We rang Albany Assistance over the next few months to get back 150 we had paid (excess, I assume). They said they were still chasing up the Thirdy Party Insurer (TPI).

    A few months ago, just before he was going away for treatment for his health, my dad received a letter from Scott Rees & Co Solicitors asking him to sign and send the form back. It asked whether he wants to claim back hire charges OR Hire charges + any other charges. He ticked only hire charges.

    Yesterday Scott Rees and Co, sent us a big .pdf file containing details of a court appearance in 2 weeks time, 20 mins down the road from where we live. They've included 20 bullit points as MY Statement of Truth. Some are just utter tosh. They want a strong statement so that "we" can win.This Statement counts as "our" evidence. For example...

    . I am informed the Defendant was offered a reduction on the Daily Rate of Hire on the strict proviso that payment ws made within 3 months of being invoiced. The Defendent chose not to take advantage of this offer

    --> I have no idea if this is true or not.

    . At the time of hiring, I beleived the daily rate of hire to be reasonable

    . I can confirm that the T&Cs of Hire were verbally explained to me over the phone and during this convoersation, the right to cancel was explained to me. I was happy with the T&Cs of Hire and a contract was verbally agreed with the hire company at this point. There was no trader present, or employee of the hire company with me when this intiial conversation took place.

    . This documentation was released to me ...I signed it and returned it to the hire company - essentially executing an already agreed contract.

    . At the time of entering the hire agreement I fully understood that I was personally liable for the cost of hire . I fully expect the negligent Defendent to meet these expenses.

    and many more points..

    --> We did not understand this at all!


    They also want means testing done if we could not have afforded car hire at the time (which I couldn't).This includes A/c details, debt details and much, much more.

    They also say my dad will be cross-examined by the TPI in court! My dad's english is not that good

    If the TPI, the Insurance Giant AXA, didn't believe they have a good chance of winning, why would they take it to court? Or are they just bluffing? We are so confused and more importantly, worried.


    I phoned the COOP and asked why i just didn't get a COURTESY car (and not a hire car) at the time. They (twice - 2 different people) fobbed me off by saying CO OP legal services decided to use Albany as this is what the coop does.

    They told me to just "go with the flow and not to worry"

    I phoned Albany and they said I won't be charged for anything as long as i don't tell them anything false. Apparently, I fall under their Credit Protection Insurance.


    We know my dad shouldn't have signed the vehicle hire form, but he honestly didn't know. He has been driving for 30 years and has never come across anything like this. 2 years ago we had a similar claim with More Than, who did the "usual" thing of supplying the courtesy car and then we returned it once our car was fixed. Nothing to pay. So, he assumed it would be similar this time. We have learnt our lesson.

    My mom's disabled and this is stressing her out a lot. I rang the Financial Ombudsman today and they said they will send out a letter of complaint to the CO OP saying I wasn't happy with their service. I will probably get a call saying the same thing: "to go with the flow".


    It seems both the CO OP and Albany are looking to make a quick buck out of me. If I pull out now, I may be liable to pay Albany. Therefore, it seems as though I have to go along with these 2 pirates and let them have their treasure.

    Should my dad be worried?


    Thank you




    Sonny


    ps. I may need to ask Albany for a copy of their T&Cs for their Vehicle Hire Agreement, as we don't trus them all. Their service and website is absolutely useless.
    Last edited by 123sonny123; 14-01-2011 at 5:03 PM.
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