Thanks for your replies I think I am just going to sign the letter and let Elephant deal with it. I can't afford to go to court, and as Mossy says it might go really wrong for me. Just FYI, the wall was repaired before I even knew about it, I was just annoyed that I wasn't informed about the claim being made against me especially as I was the one person who was going to pay, and I was only told about it when I was demanded topay £2,500 ... after it had all been done and dusted. As far as my car is concerned, the front was messed up but I'm getting it repaired without insurance company involvement. I always believe it if you make a mistake you have to pay, that's life, but I have been ripped-off and nothing now I can do. I can only pass on my experience to anyone else who is unfortunate to have a similar situation. I just wish that I had approached the owners of the wall before they contacted their insurance with an extortionate quote and then I would have got a fair price for it, but they did say they wanted to make me pay. ba****ds thnx again

Insurance companies do seem to be win win in many situations. People do make mistakes and accidents happen hence the reason of having insurance to cover them, its just a shame that not only will my next load of insurance premiums be higher (which I think should be the only penalty), I have to pay all costs. well it's a harsh expensive lesson I learn i'll try some legal advice see where I stand with the quotes. re my car: I am definitely not making any claim through insurance company thanks anywayz Cazza

Elephant.co.uk :/

I crashed and failed the breath-test that's why I was liable I lost most of my rights then Edit : I have fully comp .. but because of above bit, it doesn't really matter. This is why I am going to have to pay my insurance company back the money.

sorry, you didn't understand me. I am covered, yes. But because I was liable the insurance company is taking their right to recoup all costs from me. So I sign the form, they pay the 3rd parties insurance company, then my insurance take money from me. I expect this, but what I need to know is if I have any rights to reduce or reclaim money back based on the fact that I wasn't told about this claim until the end when it was all finished or that the price invoiced for the claim is mega $$$$

Hi, Sounds a horrible situation to be in. Albeit I'm no expert, if you have written evidence regarding the rental deal then dam right take him to court. It was part of the deal. Also his crap workmanship was not part of the deal. He should go back and finish the work, whether it was initially signed for or not. You buy a oven, looks ok, then a week later the door falls off. It gets repaired of replaced. Surely it's a similar thing. regards, D

thanks for reply. to answer your Q's. I am liable and although my insurance company pays (third party claims) they are now wanting to get the full amount back .. as it states in their T&C's The costs are for the third party .. £2,500 to repair a brick wall. And I have to sign a form to give them consent to pay the third parties insurance company. If I don't sign then they take no part in it and the other parties insurance company will take me to court to recoup the costs ... this I cannot afford as it will cost more. I just think I'm stuck and have to pay a rip-off amount that I was never made aware off until the whole process was over with.

Hello, I am writing here in the hope that someone might be able to say that I have some right or not, either way will allow me to continue. I was liable for crashing my car into a brick wall a number of months ago. Now I am being asked to pay up £2,500 for the damages. I find this bang out of order as I was never informed that this was happening until I received a letter saying I had to pay. When I called Elephant.co.uk they said they were happy with it, but really of course they would be because they were not liable. I have gained quotes myself from reputable companies and both came to values around £1,300. This i wouldn't mind paying, but £2,500 (in-fact it was originally £4,500) I cannot afford in a lump sum. Now I have to sign a letter giving my insurance company consent to act on my behalf otherwise I will be taken to court by the third party. This I cannot afford, and as I don't have much time left and because I wasn't told of this process when it was happening I have been cornered into just signing the form and paying up. Does anyone know if I have any rights on these points? 1. I wasn't informed that a claim was being made 2. The claim is extortionately priced Or .. is this how being liable for a claim works so I just have to suck it up and pay up? Will I be able to pay this off on a monthly basis? Thanks in advance for any points, either for or against this Dan

Hello, Firstly I hope this is going in the correct forum as its first time here! MY girlfriend has been in her house for about 3 years now. She is separated but now wants her ex off the mortgage and replace with me. They lived together for the 1st 10 months when they bought the house with a 100% mortgage. We have both been accepted by the mortgage company but are trying to get him to sign. He has now come back with a letter stating conditions that include her paying him for monies that he put into the house for the 1st 10 months. This includes mortgage costs, stamp duty, bills etc. I know he hasn't been paying for anything since he left about 2 years ago and as far as I know there is no proof kept of these monies, but he has guesstimated a value of £6000 ish I guess we cannot make him sign over the house? But I don't know what is best to do as we cannot afford any solicitor fees and we are now running out of our 90days that were given to sort this out by the mortgage company. I think he is now being really bitter. The house they bought as I mentioned was a 100% mortgage so no deposit was paid and now like many has lost lots in value. So I really can't see why he is doing this. Surely its better from him to walk out scot-free from a negative equity house that's maybe lost currently £35,000 in value I currently see the options are 1. taking this matter further which would cost us more solicitor fees to get his name off as mentioned earlier he hasn't lived there for nearly 2 years and has not paid monies in since 2 years ago. But this would also cost him money so he may not want to do that? 2. leaving his name on their, and then settling it when the house is sold maybe 4 years down the line. But would he then be able to put these bitter conditions upon my girlfriend when she goes to sell up? I'm at a bit of a loss at what to do so any advice is greatly appreciated thanks