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Back in March 2006, my wife hit another car, we claimed on our insurance through Norwich Union Direct, and left it in their hands. In June 06 received a letter from Liverpool court informing that a CCJ wouuld go against my wifes name due to insurance claim. I phoned Norwich Union and asked what was going on, they assured me that they would deal with this and nothing would go against my wife.
In November my wife applied for a credit card and got turned down, we thought it was starnge as she is always good with her finances.
So we tried again for another card, and again she was declined. So I decided to look at her credit file, and to our dismay there was a CCJ against her name in the court of Liverpool for the insurance claim.
I immediately contacted Norwich Union and got put through to the Litigation department in Liverpool, who informed me that they was aware of this and were dealing with it. So if they knew, why did they not tell us when it happened, rather than us finding out by accident?
Anyway to cut a long story short after a lot of phone calls by myself to Norwich Union, Livrpool court and The 3rd party solicitors after nearly 2 months we got the CCJ deleted.
But now my wife is finding it difficult to get credit due to the searches she has had against her. And to top it off I cancelled my insurance with Norwich Union afetr a month, and they want to charge me £55 cancellation fee for the privelege.
Does anyone think I should be getting compensation from them for this?
I don't quite understand why a CCJ would be applied for because of an insurance claim, can you explain this please,. I have never heard of this before
The 3rd party insurers took my wife to court, because they were getting no reply from Norwich Union, so my wife was expected to pay the money to the 3rd party. I am as bemused as you
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
Presumably you received a CCJ here because there is some dispute in the case - either over liability or quantum.
By the sounds of it it is due to liability - insurance companies are merely your agents - acting on your behalf and hence litigation is usually in your own name.
In this case there mus have been a Judgment either through trial, or more likely in default and they have simply either failed to settle it or failed to settle it in time.
NU aren't always the best to deal with on a one to one basis as they are a vast company, but they have done well to have the CCJ removed from your file - as this involves a huge amount of work. as for the seaqrches against your wife - this is a different matter as may not be directly related to this, but if you complain strongly then you may get some compensation.
However this is not always quite so straightforward, as there may be be many reasons why you had the CCJ, such as failure to attend Court in a liability dispute - in which the insurers would have expended a vast sum of money to represent you, but your non-attendance would have caused you to lose the case and hence the CCJ - having said that though it should still have been settled before obtaining a CCJ.
100%WHU as Robertxc says I am here on behalf of Nu and would be very happy to look into this for you, If you could email me some more details to rebecca.sibley@norwich-union.co.uk I'll find out what i can for you.
I am sorry that you have had so many problems and I hope that we can get something resolved for you.
Becca
CCJ after insurance claim
by myself to Norwich Union, Livrpool court and The 3rd party solicitors after nearly 2 months we got the CCJ deleted.
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Originally Posted by Lula
