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  • FIRST POST
    • ZZaffy
    • By ZZaffy 8th Oct 16, 10:51 PM
    • 25Posts
    • 11Thanks
    ZZaffy
    Courtesy car insurance
    • #1
    • 8th Oct 16, 10:51 PM
    Courtesy car insurance 8th Oct 16 at 10:51 PM
    In October 2014 a car hit me and the driver accepted all responsibility.
    My Insurance company told me to ring Easidrive.
    Easidrive gave me a courtesy car, which I did not request and I presumed it was part of the insurance package.
    My damaged car was removed for repair, and it was several weeks before my car was returned.
    Then Easidrive picked up their courtesy car and that was the end of the matter.
    Two years on, and I have received a letter from an unknown solicitor asking me to fill in and sign a form for instructing them to act on my behalf, and consenting for them to start court proceedings on my behalf and consenting for any cheques regarding claim to be made to them.
    The solicitor also rang me and said that the insurance company are in deadlock and I could be liable to pay the cost of the hire car which is about £3000.
    The letter which came with the form says, if I fail to co-operate and reject their reasonable advise, I will incur their charges.
    I read on a website that some people have been landed with court fees too.
    Any advise would be helpful.
    I am thinking it may be safest to pay the courtesy car charges before things get out of control. £3,000 is better than an unknown quantity.
Page 1
    • neilmcl
    • By neilmcl 8th Oct 16, 11:04 PM
    • 8,635 Posts
    • 5,663 Thanks
    neilmcl
    • #2
    • 8th Oct 16, 11:04 PM
    • #2
    • 8th Oct 16, 11:04 PM
    Speak and send all correspondence to you insurer.
    • forgotmyname
    • By forgotmyname 8th Oct 16, 11:47 PM
    • 23,354 Posts
    • 9,208 Thanks
    forgotmyname
    • #3
    • 8th Oct 16, 11:47 PM
    • #3
    • 8th Oct 16, 11:47 PM
    Duplicated thread....
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • ZZaffy
    • By ZZaffy 9th Oct 16, 12:40 AM
    • 25 Posts
    • 11 Thanks
    ZZaffy
    • #4
    • 9th Oct 16, 12:40 AM
    • #4
    • 9th Oct 16, 12:40 AM
    Thank you neilmcl. I will contact them asap.
    • ZZaffy
    • By ZZaffy 9th Oct 16, 12:42 AM
    • 25 Posts
    • 11 Thanks
    ZZaffy
    • #5
    • 9th Oct 16, 12:42 AM
    • #5
    • 9th Oct 16, 12:42 AM
    forgotmyname - duplicate thread because I was not sure if post should go under insurance or motoring.
    • dacouch
    • By dacouch 9th Oct 16, 10:47 AM
    • 19,746 Posts
    • 12,112 Thanks
    dacouch
    • #6
    • 9th Oct 16, 10:47 AM
    • #6
    • 9th Oct 16, 10:47 AM
    Thank you neilmcl. I will contact them asap.
    Originally posted by ZZaffy
    Speaking to your own Insurers is fairly pointless.

    You were provided with a "Credit Hire" vehicle, basically a hire car at an inflated cost that you sign a credit agreement for. The inflated costs are claimed from the third parties Insurers.

    Sometimes the 3rd Party will dispute the hire car charges and the CH company will threaten court action. As part of the agreement you have signed for the vehicle you agreed to assist Easydrive to pursue the hire car costs. They need your assistance as the court case will be raised in your name as in effect you incurred the costs of the hire vehicle.

    As they have pointed out, if you don't assist them, they will not be able to reclaim the costs from the third party and will then seek the costs from you (This was in your agreement).

    The good news is that they very rarely reach court as it's a waste of money for the third party Insurers in court costs. Generally an agreement is reached prior to the court date.
    • neilmcl
    • By neilmcl 9th Oct 16, 11:06 AM
    • 8,635 Posts
    • 5,663 Thanks
    neilmcl
    • #7
    • 9th Oct 16, 11:06 AM
    • #7
    • 9th Oct 16, 11:06 AM
    Speaking to your own Insurers is fairly pointless.

    You were provided with a "Credit Hire" vehicle, basically a hire car at an inflated cost that you sign a credit agreement for. The inflated costs are claimed from the third parties Insurers
    Originally posted by dacouch
    I disagree. His insurer put him in touch with the credit-hire company, the OP should not be dealing with a TP solicitor directly, that's the insurer's job.
    • dacouch
    • By dacouch 9th Oct 16, 2:47 PM
    • 19,746 Posts
    • 12,112 Thanks
    dacouch
    • #8
    • 9th Oct 16, 2:47 PM
    • #8
    • 9th Oct 16, 2:47 PM
    I disagree. His insurer put him in touch with the credit-hire company, the OP should not be dealing with a TP solicitor directly, that's the insurer's job.
    Originally posted by neilmcl
    They are not a third party solicitor, his Insurer gave him their telephone number, he rang it and then (Presumably) sign a contract between the OP and Easydrive. The contract makes him liable for the costs if he does not assist in the recovery of the hire car charges.

    His own Insurer will just direct him back to Easy Drive.

    Here is the answer the OP received on the other thread he received.

    http://forums.moneysavingexpert.com/showthread.php?t=5538235
    • Ectophile
    • By Ectophile 10th Oct 16, 10:24 PM
    • 2,382 Posts
    • 1,419 Thanks
    Ectophile
    • #9
    • 10th Oct 16, 10:24 PM
    • #9
    • 10th Oct 16, 10:24 PM
    That assumes that the OP actually agreed to a contract.

    Signing the form might not be in the OP's best interest if there never was a contract between the OP and the car hire company in the first place.

    So, ZZaffy, did you sign any paperwork when you took delivery of the hire car - and did you actually read it?

    I would be having some serious words with the insurance company - that's the one you were with back then, not necessarily your current one. Dig out the old paperwork.
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