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Credit Hire -Court Proceedings
Had a non-fault accident two years ago and use Enterprise credit hire. Just had a letter informing me that the £1200 charge for the hire of 9 days is being disputed by the 3rd party insurer as excessive. They want copies of all my financial statements.
My worry is that my credit card has a £20k limit on it. However, had I used a credit card, I could not have afforded the interest comfortably. Is there any chance that the court would say I should have used my credit card?
Thanks
My worry is that my credit card has a £20k limit on it. However, had I used a credit card, I could not have afforded the interest comfortably. Is there any chance that the court would say I should have used my credit card?
Thanks
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Comments
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Did your insurer recommend a claims handler (e.g. Auxilis) and they engaged the credit hire vehicle for you? If not, how did you come to use Enterprise for a hire car? Did you pursue a claim directly with the other party's insurer?
Who is asking for your financial statements?
(Costs for credit hire vehicles are always grossly inflated where an insurance claim is in play. Insurers complain about this - and then do exactly the same thing when their policy holder is not at fault).Jenni x1 -
My insurer Covea directed me towards Enterprise and engaged them. The solicitors representing Enterprise want the financial statements to pursue the 3rd party’s insurers who are refusing to pay.0
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Jenni_D said:Did your insurer recommend a claims handler (e.g. Auxilis) and they engaged the credit hire vehicle for you? If not, how did you come to use Enterprise for a hire car? Did you pursue a claim directly with the other party's insurer?
If they pursued the claim directly with the TPI from the outset the TPI would have provided a hire car not a credit hire.Jenni_D said:Who is asking for your financial statements?
(Costs for credit hire vehicles are always grossly inflated where an insurance claim is in play. Insurers complain about this - and then do exactly the same thing when their policy holder is not at fault).1 -
Thanks. Would having access to a credit card with a £20k limit become problematic?0
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It doesn't really matter to you, you just have to provide the information requested by Enterprise to assist them in recovering their money. They should have checked your financial position if they thought it might be an issue.0
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Thanks. That's useful to know!0
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waribai said:Thanks. Would having access to a credit card with a £20k limit become problematic?
Credit Hire arguments have moved on a bit since I last was hands on with claims, I dont think you'll be the first one to have a high limit card and as you said, just because you have the limit doesn't mean you can necessarily afford the repayments.2 -
To be honest, I do recall them mentioning something along the lines of could I afford to hire privately for an extended period of time. Obviously, at the time I had no idea it would only be 9 days.0
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And that's always part of their argument, you're signing a blank cheque if you deal with it privately.1
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I was hit from behind in a £400 car.
They had to give me a private hire car with insurance for over 3 months.
Later, I think about 18 months. The car fee was disputed and was going to court.
Over 10k in hire charges. Had to provide bank statements etc, earnings ie a tax return.
The day before court it was settled.
Bargained down to 7.5k.
This is common practice.
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