Recovery of losses letter 2 years after the accident - is this real?

y8c
y8c Posts: 11
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edited 8 February at 9:02AM in Motoring
Hiya,

I received a letter yesterday from Horwich Farrelly Limited, solicitors who say they are acting on behalf of the 3rd party in a road traffic accident that happened on 12th September 2021.

I had a letter from the same company last year (not exactly sure when) but it looked like a scam to me so I didn't respond.

It doesn't help that there are parts that seem unprofessional - like my first name being spelled wrong and saying Dear [Surname]. The web link looks like something you'd receive in a 'straight-to-spam' email too (in my opinion). The name brings no results via 'search our team' on their website.

Has anyone else had something like this?

Comments

  • Keep_pedalling
    Keep_pedalling Posts: 16,213
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    Were you involved in an accident on that date?


  • y8c
    y8c Posts: 11
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    Were you involved in an accident on that date?


    Yes. Otherwise I would have put it straight in the bin.
  • HillStreetBlues
    HillStreetBlues Posts: 3,099
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    y8c said:
    Were you involved in an accident on that date?


    Yes. Otherwise I would have put it straight in the bin.
    You need to pass it on to whom you were insured with at the time.

    Let's Be Careful Out There
  • Keep_pedalling
    Keep_pedalling Posts: 16,213
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    edited 8 February at 9:22AM
    y8c said:
    Were you involved in an accident on that date?


    Yes. Otherwise I would have put it straight in the bin.
    Which is what you did with their first letter :) They are acting for your insurance company so why not call them to confirm that this is genuine if you have any doubts, although looking at their website one of their main businesses is recovering costs for insurers. 
  • y8c
    y8c Posts: 11
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    I'll do that. Thanks.
  • DullGreyGuy
    DullGreyGuy Posts: 9,182
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    y8c said:
    Were you involved in an accident on that date?


    Yes. Otherwise I would have put it straight in the bin.
    You need to pass it on to whom you were insured with at the time.

    In this case they don't @hillstreetblues as the lawyers are acting for the OP's insurers, or at least the letter claims. 

    Technically the insurer acts on your behalf having received subjugated rights when they settled your claim. You can only have 1 court case for 1 incident and as its effectively you suing the third party for your insurers losses they are writing to you to find out if you have any personal losses (eg your excess, hire car, injury etc) to include in the action as if they didnt then their actions would effectively block you from making a claim in the future. 


    If you don't have any losses you can just tell them you don't. If you do have losses and are concerned it may not be genuine etc then contact your insurers at the time and double check that this is the firm they've instructed to recover their outlay. 
  • y8c
    y8c Posts: 11
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    Update.

    I spoke to my insurer who explained what it is and why I've received it and it's all sorted now.

    Thanks for the replies.
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