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Urgent help pls.Had letter y'day from 3rd party insurers threatening to prosecute me

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  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    rrtt wrote: »
    It's now 20/12 and impossible to even get this letter to my insurers before 30/12 at the earliest I'd have thought. :(
    Fax it. Email it.

    It'll be there today.
  • rrtt
    rrtt Posts: 227 Forumite
    Tenth Anniversary 100 Posts Name Dropper Combo Breaker
    rs65 wrote: »
    Fax it. Email it.

    It'll be there today.

    Thanks, but I don't have a fax and they'll need the original letter.
  • rrtt
    rrtt Posts: 227 Forumite
    Tenth Anniversary 100 Posts Name Dropper Combo Breaker
    Slowhand wrote: »
    Why? If you post it tomorrow it'll be with your insurer on Thursday or Friday.

    Thurs is Boxing Day!! and I doubt whether, with the best will in the world, our lovely Royal Mail would have it there for Friday, even assuming the insurers are actually there and working...
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    rrtt wrote: »
    Thanks, but I don't have a fax and they'll need the original letter.

    Surely a local shop somewhere has a fax. Email it.

    They won't need the original.
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    don't fret and don't worry about the 14 day deadline, it's all down to your insurer and they will deal with it.

    As others have mentioned, just forward the letter by post to your insurer (keep a copy and recorded/signed for might be an idea for your peace of mind) and just get on with enjoying Christmas
  • Firstly, just so everyone is clear, Claimfast is a credit hire organisation not an insurer and are part of the Acromas group, although strangely enough the hire is provided by Enterprise.

    Second, Claimfast are renowned for doing this, even though the insurer may have an argument which is strong in law, they will look to litigate even though they have no chance.

    third, as people have stated do not stress out over it, this is normal procedure by companies like insurers, law firms and credit hire as it is simply to force the other party to pay up, as you would get upset and contact your insurer who will receive your concerns and deal with it.

    Also, even if they do litigate you won't have to pay anything, your insurer will as it has been previously mentioned, as you were the party that caused the damage to their client they normally start proceedings against you.

    Insurers don't need the original letter, just copy it, scan it, send it ever which way you can to your insurer so they are aware, it is likely that they have already been sent the letter.

    It is possible that Claimfast will send the case to court and that you will receive a summons if your insurer is not able to convince them to settle, do not be alarmed by this, make sure to keep a copy and send the documentation direct to your insurer by special delivery and let them deal on your behalf.
  • System
    System Posts: 178,345 Community Admin
    10,000 Posts Photogenic Name Dropper
    Just ring your insurers, ask their advice.
    They will tell you to send everything to them and not to worry.
    Don't respond to the letter, just forward anything else to yor insurers - it's what they are for.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • rrtt
    rrtt Posts: 227 Forumite
    Tenth Anniversary 100 Posts Name Dropper Combo Breaker
    Phantom247 wrote: »
    Firstly, just so everyone is clear, Claimfast is a credit hire organisation not an insurer and are part of the Acromas group, although strangely enough the hire is provided by Enterprise.

    Second, Claimfast are renowned for doing this, even though the insurer may have an argument which is strong in law, they will look to litigate even though they have no chance.

    third, as people have stated do not stress out over it, this is normal procedure by companies like insurers, law firms and credit hire as it is simply to force the other party to pay up, as you would get upset and contact your insurer who will receive your concerns and deal with it.

    Also, even if they do litigate you won't have to pay anything, your insurer will as it has been previously mentioned, as you were the party that caused the damage to their client they normally start proceedings against you.

    Insurers don't need the original letter, just copy it, scan it, send it ever which way you can to your insurer so they are aware, it is likely that they have already been sent the letter.

    It is possible that Claimfast will send the case to court and that you will receive a summons if your insurer is not able to convince them to settle, do not be alarmed by this, make sure to keep a copy and send the documentation direct to your insurer by special delivery and let them deal on your behalf.

    Really appreciate everyone's advice and messages of reassurance, thanks; but particularly this with its detailed info - thanks again.

    Live out in sticks so special 30 mile round trip to town + looking for parking on Mon to get it faxed wouldn't be great! bit technophobe so changing printer cartridge and trying to remember how to scan not terribly appealing either :D Will hope NFU are at their HQ on Mon and phone em, then perhaps do special delivery RM depending on what they say
  • let your insurance sort it, its what you pay them for.
  • NFU are one of the most highly rated insurers for customer service, policy cover, etc.
    I doubt you will have any problems if you hand it over to them to deal with.
    Mr Straw described whiplash as "not so much an injury, more a profitable invention of the human imagination—undiagnosable except by third-rate doctors in the pay of the claims management companies or personal injury lawyers"

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