ok lads, a warning to you all... plus i've gotta get this off my chest, been winding me up all weekend... it's a long story but i'll try to be brief:
in august 2012 i was involved in a back lane, unclassified road (cornish back lane) accident on a rainy day where this woman basically skidded into me, badly damaging my os front wing/front and rear doors/cill and rear wing, total cost of my repair over £2.2k. i had a witness who said they'd give a statement but never did and so it was supposedly settled on a 50/50 basis, or so i thought!
i was insured fully comp and i took it on the chin, and, in spite of my voluntary excess, and decided it was just one of those 'that's life' things and reluctantly accepted it.
i reported the accident to my broker, and to my insurance company AXA, who requested and got a full description with sketches etc of my account of the incident. enter claims management company '4lbany 4ssistance', who said they'd manage the claim on my behalf, and so, it now appears rather foolishly, i left it to them!
after copious, mostly irrelevant, correspondence from said 4lbany assistance, fast forward 17 months to last friday, when i receive a letter from them demanding 50% of the repair costs (£1044.45) from me, as under the 'Repair Credit Agreement' i apparently agreed to, this amount is owed by me, and i should claim the amount back from my insurers (ie.AXA) less, of course my excess.
spent most of friday on the phone to my broker, BDML Connect, AXA and 4lbany 4ssist and got absolutely nowhere, with 4lbany 4ssist maintaining it is me that is responsible for the amount outstanding, and AXA saying to me they won't accept this bill from either me or 4lbany 4ssist, despite the fact they were, and still are for that matter, my insurance company!
needless to say, i won't be paying the outstanding amount, i accept it's my duty to pay my excess, but there's no way in hell i'll pay the £1044.45... i'll do time first!
so, as said, a warning to you all, steer clear of any claims management company, deal with it yourself, much easier and much less hassle and worry.
anyone got any advice i'd much appreciate it, don't fancy time at her majesty's pleasure and don't really relish a showdown with the bailiff, although i'll fight them tooth and nail in the civil court if i have to!
rant over lol
in august 2012 i was involved in a back lane, unclassified road (cornish back lane) accident on a rainy day where this woman basically skidded into me, badly damaging my os front wing/front and rear doors/cill and rear wing, total cost of my repair over £2.2k. i had a witness who said they'd give a statement but never did and so it was supposedly settled on a 50/50 basis, or so i thought!
i was insured fully comp and i took it on the chin, and, in spite of my voluntary excess, and decided it was just one of those 'that's life' things and reluctantly accepted it.
i reported the accident to my broker, and to my insurance company AXA, who requested and got a full description with sketches etc of my account of the incident. enter claims management company '4lbany 4ssistance', who said they'd manage the claim on my behalf, and so, it now appears rather foolishly, i left it to them!
after copious, mostly irrelevant, correspondence from said 4lbany assistance, fast forward 17 months to last friday, when i receive a letter from them demanding 50% of the repair costs (£1044.45) from me, as under the 'Repair Credit Agreement' i apparently agreed to, this amount is owed by me, and i should claim the amount back from my insurers (ie.AXA) less, of course my excess.
spent most of friday on the phone to my broker, BDML Connect, AXA and 4lbany 4ssist and got absolutely nowhere, with 4lbany 4ssist maintaining it is me that is responsible for the amount outstanding, and AXA saying to me they won't accept this bill from either me or 4lbany 4ssist, despite the fact they were, and still are for that matter, my insurance company!
needless to say, i won't be paying the outstanding amount, i accept it's my duty to pay my excess, but there's no way in hell i'll pay the £1044.45... i'll do time first!
so, as said, a warning to you all, steer clear of any claims management company, deal with it yourself, much easier and much less hassle and worry.
anyone got any advice i'd much appreciate it, don't fancy time at her majesty's pleasure and don't really relish a showdown with the bailiff, although i'll fight them tooth and nail in the civil court if i have to!
rant over lol