Car insurance wants £26,260.00.

iEKOS

HappyMJ wrote: »

You don't need a solicitor it's a civil court.

What does that mean sir? i wouldn't know what to say or do?

Quentin

HappyMJ wrote: »

........ You don't need a solicitor it's a civil court.

This is a large sum of money you are being chased for, and although you don't have to be represented in the small claims court,this won't be small claims and you should at least get legal advice on whether you have any defence.

Aretnap

You can represent yourself in either a civil or criminal court so strictly speaking you never need a solicitor... but that doesn't mean it's a good idea. If you have little legal knowledge you'd be at a significant disadvantage, and even if you did there's an adage that a lawyer who chooses to represent himself has a fool for a client.

Representing yourself is fine in the small claims court where there's only a few hundred pounds at stake and you can't claim legal costs anyway, but £26K is well beyond small calaims territory and I would want expert representation if it got that far.

HappyMJ

iEKOS wrote: »

What does that mean sir? i wouldn't know what to say or do?

It's informal...although at this level it'll be a little more formal than normal...a civil case is decided on the balance of probabilities. A criminal case requires proof beyond reasonable doubt. You just answer the questions that you are asked. You can bring your witnesses...your dad and your sister. If you are absolutely convinced you will win then employ a solicitor....but it will be at your cost. The costs of your solictor and the attendance costs may be recoverable from the other party if you win. You will not get legal aid to defend a civil case and it may cost you many thousands of pounds in legal fees which you may not get back.

my_names_dave

iEKOS wrote: »

I'm 36 and I have a computer shop 5 minutes from my home.

Do you and your father live at the same address?
Was this policy setup with a no claims bonus discount?

spacey2012

Do you have any household insurance.

iEKOS

my_names_dave wrote: »

Do you and your father live at the same address?
Was this policy setup with a no claims bonus discount?

We did but now my father has his own place since Jan this year.
My dad has 9years no claims.

iEKOS

spacey2012 wrote: »

Do you have any household insurance.

Yes we do.. And yes I'm calling them now.

But, either way, are we saying I defiantly ow them this money? And we are in the wrong?

vaio

I'd have thought at 36 fronting is unlikely to be an issue so I'd be looking at convincing the insurer/FOS that the incorrect disclosure was innocent or inadvertent which, if successful, will result in the insurer picking up the bill and likely reinstating the policy.

Have a read of a http://www.financial-ombudsman.org.u..._insurance.htm & http://www.financial-ombudsman.org.u...disclosure.htm & http://ombudsman-decisions.org.uk/vi...px?FileID=6196

molerat

Who drives/drove the car most ?
Whose house is/was the car kept at ?
How do you get to work ?

The answers to those questions will be a great help to those who have responded so far.