car insurance accident claim

Bonez14

I had car insurance with Bell, however it was voided due to not disclosing previous disqualification. I had a accident whilst i was with them 3 years ago. they have now sent me a bill of £17000, detailing 10 items labeled as CCS and a few CAS. what can i do regarding this. there is now way i can give them that kind of money.

FlameCloud

Were you at fault for the accident?

Why did you not disclose the previous disqualification?

dacouch

FlameCloud wrote: »

Were you at fault for the accident?

Why did you not disclose the previous disqualification?

I think the OP posted about the voidance under a different name

Bonez14

FlameCloud wrote: »

Were you at fault for the accident?

Why did you not disclose the previous disqualification?

I was at fault and i had fully comp cover. it didn't cross my mind, i just renewed with them every year.

Bonez14

if i don't respond within 28 days the letter states it will commence legal proceedings. if it goes to a stage of debt collectors i have read somewhere they have up to 6 years to legally chase me if i have acknowledged the debt? is this true? can i avoid this ?

dacouch

Have you looked into whether the voidance of the policy was valid?

What was the disqualification for?

When was it?

When was the accident?

When was the renewal date of the policy?

Did the Insurer ask a clear question about convictions when inviting renewal of the policy?

Quentin

shorif2000 wrote: »

if i don't respond within 28 days the letter states it will commence legal proceedings. if it goes to a stage of debt collectors i have read somewhere they have up to 6 years to legally chase me if i have acknowledged the debt? is this true? can i avoid this ?

The 6 year wimdow is to commence legal proceedings

TSx

Assuming that the voidance was valid (if not, you could always try a complaint to the ombudsman as a last resort - if you deliberately didn't disclose the disqualification don't expect to be successful), your best option is to try and agree a payment plan - or become bankrupt.

Once they obtain a CCJ against you, they have a range of enforcement options - see this - if you are employed, they will be able to obtain an attachment of earnings order to deduct the money directly from your pay. It is much easier to negotiate repayment on your terms whilst they don't have a CCJ. If you are employed, they are likely to get their money back even if it takes a long time.

The six years refers to the amount of time they have to make a court claim against you, and for £17k, they are unlikely to just let it go.

There is a similar topic here, although for £40k rather than £17k which may have some useful information. The driver was uninsured but effectively you were uninsured as well, due to the voidance of your policy.

Also here - a search may reveal more!

Bonez14

TSx wrote: »

Assuming that the voidance was valid (if not, you could always try a complaint to the ombudsman as a last resort - if you deliberately didn't disclose the disqualification don't expect to be successful), your best option is to try and agree a payment plan - or become bankrupt.

Once they obtain a CCJ against you, they have a range of enforcement options - if you are employed, they will be able to obtain an attachment of earnings order to deduct the money directly from your pay. It is much easier to negotiate repayment on your terms whilst they don't have a CCJ. If you are employed, they are likely to get their money back even if it takes a long time.

The six years refers to the amount of time they have to make a court claim against you, and for £17k, they are unlikely to just let it go.

There is a similar topic although for £40k rather than £17k which may have some useful information. The driver was uninsured but effectively you were uninsured as well, due to the voidance of your policy.

Also a search may reveal more!

How often or likley/long will it take them to make CCJ claim. i was told their not easy to make. also everywhere i have read i have not come across anyone mentioning they have just ignored them. a lot of people say they just ignore them and they go away because it will cost the insurers too much money to chase.

Bonez14

dacouch wrote: »

Have you looked into whether the voidance of the policy was valid?

What was the disqualification for?

When was it?

When was the accident?

When was the renewal date of the policy?

Did the Insurer ask a clear question about convictions when inviting renewal of the policy?

accident 2011
i was with them 3 years previously, so they canceled during the 4rd year. i was disqulified during the 1st year i had insurance with them.

disqualification was for totting up tt99

Quentin

shorif2000 wrote: »

How often or likley/long will it take them to make CCJ claim. i was told their not easy to make. also everywhere i have read i have not come across anyone mentioning they have just ignored them. a lot of people say they just ignore them and they go away because it will cost the insurers too much money to chase.

Getting a ccj is easy.

If you have no funds or assets then it would be pointless ( at present).

As posted they have 6 years to take legal action and are unlikely to forget you if you simply ignore them