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Insurance failed us
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JLP1976
Posts: 18 Forumite
I put this in insurance but think its better suited to this forum? Apologies if not.
My husband had a collision in 2018 which we were contesting, as were AXA. We weren't at fault by that is a bit irrelevant at this stage.
We received court paper work and have dutifully passed everything on to AXA as instructed - with increasing alarm as AXA have consistently failed to respond to any contact, despite me copying my emails into any address I could find, including their complains department. More recent emails were returned saying deleted unread.
On Monday we received a letter saying that the case had gone to court and the other person had won, as no-one turned up to defend our case. We now have a county court judgement (I think - it says it will show up on credit checks) owe over £4300 and a threat of bailiffs removing our property should we not pay.
To add insult to injury, the claimant is still driving around in her car, ours was written off and by the time we paid the excess and the rest of the year's premiums, we couldn't afford a replacement. The accident was caused by the claimant driving right up to my husband while flashing her lights and beeping, presumably as he had just dropped my Mum off and wasn't going fast enough for her (on a residential estate with lots of parked cars). As he went to turn right, she went to overtake and went into him.
Before I even got this letter, I had complained to the Financial Ombudsman about AXA not getting back to us and I have emailed them an update. I also emailed AXA twice and got their usual 'very busy due to covid' auto reply. I have all of the other emails I sent.
I am filled with panic and don't actually know what to do. I can't afford a solicitor. I can't believe this has happened.
My husband had a collision in 2018 which we were contesting, as were AXA. We weren't at fault by that is a bit irrelevant at this stage.
We received court paper work and have dutifully passed everything on to AXA as instructed - with increasing alarm as AXA have consistently failed to respond to any contact, despite me copying my emails into any address I could find, including their complains department. More recent emails were returned saying deleted unread.
On Monday we received a letter saying that the case had gone to court and the other person had won, as no-one turned up to defend our case. We now have a county court judgement (I think - it says it will show up on credit checks) owe over £4300 and a threat of bailiffs removing our property should we not pay.
To add insult to injury, the claimant is still driving around in her car, ours was written off and by the time we paid the excess and the rest of the year's premiums, we couldn't afford a replacement. The accident was caused by the claimant driving right up to my husband while flashing her lights and beeping, presumably as he had just dropped my Mum off and wasn't going fast enough for her (on a residential estate with lots of parked cars). As he went to turn right, she went to overtake and went into him.
Before I even got this letter, I had complained to the Financial Ombudsman about AXA not getting back to us and I have emailed them an update. I also emailed AXA twice and got their usual 'very busy due to covid' auto reply. I have all of the other emails I sent.
I am filled with panic and don't actually know what to do. I can't afford a solicitor. I can't believe this has happened.
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Comments
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Duplicate thread. Better on Motoring
Let down by AXA who didn't represent us in court — MoneySavingExpert Forum
I work from home so my cat can be fed on demand!0 -
To be honest it's not a consumer rights issue.
Given you mentioned FOS I take it that you have been through the AXA complaints process & they issued a deadlock letter?
I would just send the country court letter to AXA as they are the insurance co & should be paying the bill.
But @Sandtree would be best placed on the ins & outs on this, given their experience 👍Life in the slow lane0 -
AXA haven't replied to any of my emails or to my correspondence to their complaints.0
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I would suggest that you talk to them on
Claims complaints
If you need to make a claims complaint or request an update, please email our team using the link below.
Alternatively, you can call our team on:
We’re here to take your call:
- Monday to Friday: 9am to 5pm
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- Bank Holidays: closed
Life in the slow lane0 -
Which suggests there's something more fundamental going on here - continuing to send emails when there's no response and expecting the issue to be resolved could be a very expensive exerciseJLP1976 said:AXA haven't replied to any of my emails or to my correspondence to their complaints.0 -
2nd thread here.
https://forums.moneysavingexpert.com/discussion/6369907/let-down-by-axa-who-didnt-represent-us-in-court#latest
Life in the slow lane0
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