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  • FIRST POST
    • hayleycull
    • By hayleycull 20th Apr 17, 2:02 PM
    • 53Posts
    • 25Thanks
    hayleycull
    car accident no win no fee -advice needed
    • #1
    • 20th Apr 17, 2:02 PM
    car accident no win no fee -advice needed 20th Apr 17 at 2:02 PM
    ADVICE WANTED PLEASE
    i am insured with 1st central-fully comp. last week a lady crashed into me and she immediately admitted liability. my car was taken for repair and i was given a coutesy car so all went smoothly. I was initially feeling fine after the accident but the last few days have been greatly suffering with neck and back pain. i saw my gp this morning for strong pain relief and she feels that i have whiplash. I have never claimed money for anything before and didnt intend to however i work as a nurse so i am aware how this injury may affect me. i have phoned my insurance company and they tell me i didnt pay the additional extra for legal cover so i am not covered to claim they directed me to their approved company-First Central Law. upon speaking to them i am told i can claim through them on a no win no fee basis and they take 25%.
    is this normal? any advice on what i should do?
    PLEASE dont think im out to make money-i have read previous threads so im well aware that this does happen.
Page 1
    • Quentin
    • By Quentin 20th Apr 17, 2:35 PM
    • 33,227 Posts
    • 17,175 Thanks
    Quentin
    • #2
    • 20th Apr 17, 2:35 PM
    • #2
    • 20th Apr 17, 2:35 PM
    25% is the maximum they can charge.

    Google to see if you can find cheaper if you want to find a cheaper solicitor.

    But now you have posted on a public forum like this beware any private messages you get from lurkers offering to act for you
    • dacouch
    • By dacouch 20th Apr 17, 4:14 PM
    • 20,264 Posts
    • 12,510 Thanks
    dacouch
    • #3
    • 20th Apr 17, 4:14 PM
    • #3
    • 20th Apr 17, 4:14 PM
    By any chance did you take out the optional Legal Protection Cover with First Central?
    • OnanTheBarbarian
    • By OnanTheBarbarian 20th Apr 17, 7:07 PM
    • 1,364 Posts
    • 829 Thanks
    OnanTheBarbarian
    • #4
    • 20th Apr 17, 7:07 PM
    • #4
    • 20th Apr 17, 7:07 PM
    Such a shame that some clashes with some forum members results in this poster not being told where there is a free solution to her problem.
    • hayleycull
    • By hayleycull 26th May 17, 10:51 PM
    • 53 Posts
    • 25 Thanks
    hayleycull
    • #5
    • 26th May 17, 10:51 PM
    • #5
    • 26th May 17, 10:51 PM
    haven't been successful finding any where cheaper. All seem like a money making business!
    • dacouch
    • By dacouch 26th May 17, 11:23 PM
    • 20,264 Posts
    • 12,510 Thanks
    dacouch
    • #6
    • 26th May 17, 11:23 PM
    • #6
    • 26th May 17, 11:23 PM
    You did not answer the question as to whether you had paid 1st Central extra money when you arranged your cover to pay for Legal Protection Cover
    • hayleycull
    • By hayleycull 27th May 17, 8:40 PM
    • 53 Posts
    • 25 Thanks
    hayleycull
    • #7
    • 27th May 17, 8:40 PM
    • #7
    • 27th May 17, 8:40 PM
    whoops sorry. no I didn't pay extra. ive learnt a harsh expensive lesson I guess!
    • Tammer
    • By Tammer 28th May 17, 10:53 AM
    • 295 Posts
    • 196 Thanks
    Tammer
    • #8
    • 28th May 17, 10:53 AM
    • #8
    • 28th May 17, 10:53 AM
    You did not answer the question as to whether you had paid 1st Central extra money when you arranged your cover to pay for Legal Protection Cover
    Originally posted by dacouch
    She says in the OP that she did not....
    • dacouch
    • By dacouch 28th May 17, 1:39 PM
    • 20,264 Posts
    • 12,510 Thanks
    dacouch
    • #9
    • 28th May 17, 1:39 PM
    • #9
    • 28th May 17, 1:39 PM
    She says in the OP that she did not....
    Originally posted by Tammer
    I would not believe what 1st Central tell their customers hence my question
    • jamie_02
    • By jamie_02 29th May 17, 7:47 AM
    • 89 Posts
    • 51 Thanks
    jamie_02
    Whiplash your GP says?

    https://www.theguardian.com/money/blog/2017/apr/29/whiplash-injury-claims-accident-myth-neurosurgeon-speaks-out
    • jonesMUFCforever
    • By jonesMUFCforever 29th May 17, 4:03 PM
    • 24,170 Posts
    • 11,444 Thanks
    jonesMUFCforever
    I would also check whether it is 25% and then VAT on top!

    I do know of someone who used Slater Gordon - they did not take a cut but offered an insurance premium to pay costs which was refunded if you won.
    What goes around - comes around
    give lots and you will always receive lots
    • FutureGirl
    • By FutureGirl 29th May 17, 5:11 PM
    • 995 Posts
    • 404 Thanks
    FutureGirl
    You should be able to go directly to the third party insurer, to claim for your injury. They'll send you to a medical expert themselves, rather than going through a solicitor.

    Although seeing you posted this a month ago, I would assume you've made your decision on how you're going to proceed.
    • Quentin
    • By Quentin 29th May 17, 5:22 PM
    • 33,227 Posts
    • 17,175 Thanks
    Quentin
    I would also check whether it is 25% and then VAT on top!
    Originally posted by jonesMUFCforever
    With the no win no fee solicitors they cannot add vat on to the 25% success fee. (That would mean a 30% deduction, and would be illegal)

    The max 25 % deduction allowed is including vat.
    • hayleycull
    • By hayleycull 29th May 17, 6:48 PM
    • 53 Posts
    • 25 Thanks
    hayleycull
    interesting article above by Jamie!
    whiplash is a myth- im not sure I would agree to be fair. im a fit healthy woman. a few days after a car accident I began suffering with persistent aching in my neck that then spread to my lower back. I had a nightmare sleeping due to discomfort and went from someone who barely takes paracetamol to taking diazepam to get me to sleep and strong pain killers to be able to do my job. yes the symptoms have eased alot- but they are still there at night.
    I haven't claimed as didn't want to be seen as making a fuss over nothing. I do however feel I have suffered as a result of this accident
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