Mint credit

benjiboy_2

Hi, please could some one give me some advice, I received a letter from mint credit this morning, stating I owe 1100 pound from a car accident I was involved in 10 years ago.
The accident was my fault but surely this was all sorted by my insurance company at the time.
I don't understand what this is all about? they say I need to pay it within 14 days. But I have never been contacted by the insurance company since. Please if any one knows what I could do please advise.

Many thanks

fermi

£1100 for what exactly?

Injury? Damage? Costs? Something else?

benjiboy_2

Personal injury.

prettykitty

The limitation period for PI claims is 3 years, so I reckon they can whistle for it. Also I think debts are statute-barred after 6 years so if nobody's mentioned it in 10 years you should be fine. I'd write back along these lines and copy in your insurer.

fermi

prettykitty wrote: »

The limitation period for PI claims is 3 years, so I reckon they can whistle for it.

Yep.

They are just hoping benjiboy doesn't realise that and pays up.

Section 11 of the Limitation Act 1980 specifies the 3 year limit on personal injury claims, so you could adapt the standard letter to suit that.

benjiboy_2

Thanks for the replies, I will send them a letter.

BlueAngelCV

I wouldn't bother sending them a letter, I would just ignore it.

benjiboy_2

just to follow on from this, I was away at the weekend and my partner gave me the wrong information, it was saying I was uninsured at the time, which is why they want £1100 for the personal injury claim, This is rubbish i was insured otherwise i would have been arrested for no insurance etc at the time, but they want proof that i was insured. Is there a way i can find out who i was insured at the time, because i tend to change my insurance yearly and can't remember.

Or is it best to ignore it as previous replies? thanks for your help.

Gordon_Hose

You can't be arrested for no insurance. You'd have your license endorsed, and a fine probably.

How did you pay your insurance? Debit card?...can your bank provide statements going back 10 years to see who you paid for car insurance. If not I don't see how you can find that info out!

But, as has been stated already, there is a time limit on PI claims, and if it was 10 years ago, they are well outside that time limit.

benjiboy_2

ok thanks for your reply.

karom

I don't see why if as stated PI claim is subject to a 3 year rule that you should be providing any further personal information such as who you were insured with at the time.

I wouldn't provide any more info than necessary meaning that the claim is outside the time limit. Good luck