N1CPC - Northampton County Court - Regarding a Motor Claim

CovOne

Hello all, hope we are all ok? I am looking to get some advice :money:

On Saturday morning (13/08/11) i received through the post a N1CPC form from Northampton Court on behalf of Judge & Priestley Solicitors acting on behalf of an individual.

The claim form is requesting £927.50 and is regarding a car accident i was involved in on September 3rd 2010.

The initial accident caused very little damage (My black bumper put a 15cm black mark on his baby blue coloured bumper), however i gave my insurance details as he said it would leave him with piece of mind. We did agree to try and sort it privately. I notified my insurance company straight away about the accident when later on that day he decided he did not wish to sort the problem privately. I was liable and admitted that also.

10 days later i received a solicitors letter threatening me with court proceedings in relation to the crash. I phoned my insurance and they said that is not right and for me to send them a copy of the letter which i did. Whilst on the phone the person working for my insurance muted a problem with the other parties insurance - his reg matched a different insurance broker to what he was going through.

This continued however this was the last contact i had on the matter. I had an online login to my insurance and the claim remained open till May this year. My insurance was up for renewal, i chose to go with a different company and during the process i had various contact with my insurance and the on-going claim was never mentioned once. I did think that once settled i would be getting a letter asking for my £300 liability.

Fast forward to yesterday and i receive the letter from the court. The individual has taken me to court via his solicitors. He is claiming:

The sum of £747 (Credit Hire) - Guessing this relates to him hiring a car
Statutory Interest of £55.50
Court Fee £55
Solicitors Fee £70

I am a little confused as to how this situation has panned out. My insurance was completely fine however i do realise i left the policy whilst the claim was still open with no objection by swiftcover, however i know this is nothing to do with my insurance this is a personal claim made by him via his solicitors against me. Surely this is what insurance is for and is something that would have been dealt with by them.

I really do not need a CCJ by my name so i guess the first course of action would be for me to extend the time needed to respond upto 28 days?

Then what can i do in this situation, can anyone give me any advice?

Thanks in advance....

chanz4

pass the letter to your insurance, its standard. However they may argue the credit hire amount.

CovOne

I am not with the insurance i was with at the time currently. I was with swiftcover, however for the time being i am a named driver on my partners insurance. Do you recommend getting back in touch with swiftcover?

CovOne

plus with this being a county court judgement between myself and the claimant i only have 12 days to respond with action.