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car hire credit agreement

In 2018 my gf was driving on my motor trade insurance (legally) when someone went into her. After time they admitted liablity. However they refuse to pay for the car hire which I entered into. This is now in dispute and I have to go to court in June. I am self employed and given my solicitors all paperwork they requested. They now want full tax returns for 2016-2018. I have given them the SA302's but cannot get the full tax return. After arguing with HMRC and waiting for 2 hours for them to answer my call, I was then cut off, but not before they informed me they cannot give me this info and I should get my accountant to sign in and print off. My accountant doesnt use the softwear needed to be able to access them online. To be honest I am at my witsend with these solicitors. Do they really need the full return, why can't they use the SA302's. I feel physically sick at the thought of going to court and then be landed with a hefty car hire bill.  Anyone else been in this situation?

Comments

  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Seems a bit odd to me, have you asked them why they need to see your tax returns?
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    Motor trade insurance, yet claims to need to hire a car? No wonder the other insurer are balking at paying for it.

    I suspect the tax returns are to prove that there's absolutely no way possible that the OP could mitigate their losses by providing their own alternative transport...
  • If it is so key whether or not the insured could or could not afford to hire a car themselves, then why do claims management companies never explain this? All they do is foist an expensive credit hire car on you with seemingly no other option.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    If it is so key whether or not the insured could or could not afford to hire a car themselves, then why do claims management companies never explain this? All they do is foist an expensive credit hire car on you with seemingly no other option.
    Oooh, let me guess...

    Because that's their entire business model?
  • HansOndabush
    HansOndabush Posts: 470 Forumite
    100 Posts Name Dropper Photogenic
    edited 20 March 2021 at 10:22PM
    Of course. But I think it fair to say that most people would not be aware that if they could afford to hire a car themselves then that is what they should do and that instead they just do what the insurance company and then the claims company tells them is best. So this is something that should be addressed by the industry or the FCA or whoever oversees best practice in this area?
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