help with a claim against us

alyssa_liss

Thanks for you comments , he it not on Jsa anymore that'd was only for 5 months he has got a job again now . Were going to sort put all paperwork tomorrow and get in touch with someone on Monday

VfM4meplse

alyssa_liss wrote: »

my partner genuanly thought he was insured under his own insurance for driving other cars... he wasnt.

I wish you well in sorting this out, I cannot believe how much stress a genuine mistake has caused. The common peception is that fully comp insurance means that you can drive another vehicle with the owner's permission and will be covered third party, I myself found out very recently that this is not actually the case .

firesidemaid

do you have any of the previous/original letters stating the amount owed being 3k?

alyssa_liss

right found letters and a few emails

first the amount was £3614 this was in Feb 08

i then have a letter of my OH saying that the brothers insurance should not be dealing with it. the brothers insurance then send a letter saying that they are obliged as they were the insurance on the car even thought my OH wasn't insured.
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then we have a letter from the people on behalf of the mib saying he needs to sign a form for the brothers insurance to carry on so its been signed at £3614 this was in feb 08
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then nov 08 we now have a letter from brothers insurance saying OH now owes £6283 in accordance to the signed paper work (but this was for a much lower amount a few months previous)

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on the 14th jan 09 ive found an email from my OH (im glad he never deltes emails lol )
I have attempted to contact your offices by phone on many occasions and get left on hold for hours, i also wrote to your self's after receiving your last letter, but i received no response.

With Ref to your letter dated the 13th nov 2008, please could send me a break down as to were the £6283.88 has been allocated and also the options for payment of this balance.

Please could you acknowledge this email by way of an email and written response and update your records to show that contact has been made

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they then replied 2 weeks later
Further to your recent e-mail, as we had not heard from you since our previous correspondence we have passed our papers to our legal department to pursue you for the monies owed.

The Motor Insurers Bureau settled the third party claim under the uninsured drivers agreement, however as we are the principal insurers and you were not covered under our policy, we have an obligation to deal with the third party claim as Road Traffic Act Insurers.

We paid a total of £3000 of the injury, £505 for NHS charges and £2778.88 for the solicitors costs.

Your recommendations as to how you wish to reimburse us are waited in view of the delay in responding to us we trust you will revert to us again shortly.

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then we get a email asking for the £6xxxx from the solicitors on behalf of the insurance.
my OH replies asking Please could you explain to me what the claimant legal fees as imunsure what this is, please could you give me the options for payment as I do not have that kind of money available.

Also could you tell me if HSBC have contacted the brokers to tell them that the claim is not being paid by the policy.

I would also like in writing confirmation that this is the final amount to pay with regards to this accident.

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we then get a reply saying that it will be 17 monthly payments of
£350 and a final of £333

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my OH replieys Please could it be put in writting that "The sum of £6,283.88 was a final figure once all third party claims and costs had been settled by the MIB".

Also as I am currently out of work the £350 a month is more than I can currently afford.
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they then ask how much my OH could affor to pay a month , which he replies At the moment until I return to work the most I could pay would be £50 a month.

Please can you tell me if my request from my previous email will be carried out.

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we then get a reply saying the letter will be drafted and sent out that night this is 19/02/09
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my OH recieves a letter a month later 10th march saying that £50 is unacceptale

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he then emails them saying he has recieved the letter and why has it took so long to tell him that £50 was unacceptable
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they then tell him they will accept £100 a month minimum .

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at this point they have still not confirmed that the debt wont increased and my OH could not afford £100 because he had no job, bills going out and was in his overdraft

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that is the last we heard untill this court letter thing arrived

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sorry for the long post but hopefully it will help, i am planning on going to the CAB on monday with all the documents and see if they have any advice ? will they talk to me about it as my partner has to work. if i get mt partner to write a letter stating they can talk to me about it will this help.

The_Banker_5

Can I just ask the reason why his own insurance didnt cover him 3rd party to drive his brothers car?

alyssa_liss

on the policy it said he was covered to drive other vehicles but then in the small print it said under section ..... something he wasn't. this was a motorbike insurance policy .
he basically misread it, but didn't realise until it was to late. this was the only occasion he had actually drove another vechilce (sods law)

flyingscotno1

Is it worth posting on the Insurance and Life Assurance forum which might be able to give more advice?