Hi, Can anyone help me with the above? Thanks Phil

Hi, Right where do I start. The company supposed to help me 'CLAIMFAST' have agreed to pay my phone call charges, which is a start. My daughter tried about 4 companies to help on a no-win-no-fee basis but they weren't interested as she wasn't physically injured so therefore I am going to have to take the other driver to a small claims court myself. I have a second quote for the work which is £845 so it is all systems go for the local County Court. I would like to claim the £845 damages, (14 days x £10 for lack of car use) £140, (£25 per month for my time and compensation for their payment delay) £150 totalling £1135 which will increase by £25 per month. Is the above unreasonable? The car insurance charges were for change of vehicle so don't think would be viable. What is the next step towards letter before action and do you have a template for this letter? Also my daughter wants to be a witness in court as well as the independant witness (Is he independant as he lives on the same road as me?), who has said he will appear in court if needed. Once again THANK YOU for your help in this matter. I do appreciate your help. I still can't believe an insurance company can treat people like this. Thanks Phil

Hi, Just a quick question, the witness in this case lives in the same road as me. He is not my next door neighbour or a relation but as he lives in the same road as me does that affect him being an independant witness? Thanks Phil

Hi, Thanks for the reply. I've spoken to my daughter and she is going to try and phone a few companies tomorrow (friday) and Monday. Over the weekend I'll make a list of costs and by Tuesday I'll have the list and hopefully a company to take the case on. If I haven't then I'll appreciate the next step to start the court procedures. Once again Thank You for your help Phil

Hi, I have since found out that the driver who hit me was on his fathers insurance when he hit me. Does this make a difference? Thanks Phil

Hi, Hope you had a good holiday. 1. The car was still in use until 4th March when the MOT run out. As I was originally told the car was going to be written off I couldn't pay for the car to be fixed to get through its MOT so had to buy another car. I can fix the car but would that not show the garage quote (that all party's have agreed on) be too much? I couldn't afford to pay a garage to do the work so doing it myself would be cheaper. 2. I'm happy that the quote from the garage is correct (£950) and the value of the car is around £820. 3. I wouldn't have purchased the other car which cost £800. I've had to pay a total of £120 in Car insurance changes. 4. I have spent the last 5 months wasting approx 2 hours a week chasing up the claim on the phone to Markerstudy and Claimfast. I spent 14 days without a car until I managed to find the £800 to buy my new car. 5. No one was injured in the acident but my daughter (who was in the car) has been under her doctors since the accident and he's put her on anti-depresents (1x10mg tablet a day) because of the accident. I hope this helps and thanks for the info about taking the driver to court. Thank you for your help. Phil

What insurance company is it that are refusing to pay out? I'm having trouble trying to get Markerstudy to pay out even though I have a witness to a lorry reversing back and hitting my car in January.

Thanks Crem. Does mossycat read these or do I send them a message? Thanks again Phil

Hi, Back in January a lorry reversed and hit my car. My insurance company didn't want to claim for me because I only had 3rd party Fire & Theft insurance. The other driver originally said he would do the work himself but I wasn't happy so contacted my insurance company as soon as I got home. His insurance company MARKERSTUDY have done everything to delay paying for the damage and refuse to accept liability even though I have an independant witness. They say their client disputes the claim (he has changed his story). It has come to the stage where I am going to have to take them to a small claims court. The damage to my car was £930 (Their independant garage report) but they say the book value of the vehicle is only £800 so thats what is the figure they would go by if it could be proved their driver was at fault. My daughter was in the car at the time of the accident and an independant witness saw the incident and has filled out a witness statement. Can I claim more than £800 because of the time Markerstudy has delayed and refused to pay and all my time fighting for my money? Also which small claims court package would be the best to purchase from your site to help me through the case. Also, should I be taking the insurance company to court or the driver? I hope someone can help as I'm sure I'm not the only person that has been treated like this by a car insurance company. Phil

I was supposed to have filled my court application a couple of weeks ago but as I haven't had the £100 I have had to put it off until next week. Is there a time scale that I have to adhere to as my 14 days from LBA has come, been and gone. It is only because I have struggled to find the £100 that I have delayed the court action. In the meantime I have received a letter from Barclays offering £995 to settle. I would like to accept this as part payment until the rest of the claim is settled but I know they will withdraw the offer as soon as I refuse to accept it as full payment. It is tempting to accept the £995 but I would rather struggle and find the £100 to start court action and get my full £4K (as I have another claim to start afterwards).

Thanks, It does mean a great deal to know we have people to back us up all the way. Phil

I received a letter from the Woolwich today stating 'In view of the complex nature of the issue you have raised, your complaint has now been escalated to our head office. All relevent documents have been forwarded etc etc etc.........snore, snore, snore. So I take it now is the time for court (well Friday as thats the 14 days from LBA). Hope I haven't missed out a stage on the way to getting this far. I will let you know when I have completed the next stage. Phil

Good Luck, We are all right behind you. I've 7 days until LBA 14days is up. Then I'm off to court as well. Philip Rose

Thanks, not long to court application Phil

I have had a look around the Threads (about an hour a night since I started) but I haven't found a spread sheet showing which banks have paid up, how long it took and which banks take the longest to settle before or after court action. Is there such a page that I have missed? Phil