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northerngirl1993

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About northerngirl1993

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  1. Thankyou for this advice. Hire car cost is 2.5k. I’m a 24 year old hence higher rate for being under 25. I have submitted my financial statements to the solicitor and all I can do is wait. I have explained I owe help to buy in June next year, I’m saving for a wedding and funding for my PhD is about to run out and therefore I need to save for shortfall whilst I write up. All I can do is wait. The whole thing is very unfair, I acted in good faith, I wasn’t aware there was such difference in cost and I simply followed the advice of my insurer . Much of my savings is in a joint account and one of the savings account is fixed with a no withdrawal clause. Waiting game now I suppose.
  2. I was involved in a non fault collision. I contacted my insurance company who referred me to the credit hire company auxillis - they provide car repairs and credit hire vehicle etc. No excess required because it was a clear non fault incident. Apparently credit hire vehicles are much pricier than "on the spot" car hire. The defendants admitted liability and paying for the repair of my car has been no issue, however the insurance company is saying that i should have utilised other car hire options (ie enterprise) other than credit hire should i have been financially able to do so. People cannot be expected to just fork out money for a hire car for an unknown period of time with the promise of reimbursment when the insurance pays out. Hence why i was not in a financial position to do so. Nor did i think about looking around for hire prices when my insurance company recommended i went through auxillis who sorted everything out for me! My only concern is whether they can argue that i should have used my savings- which as previously mentioned is for other purposes
  3. It is the solicitor that has requested them as they are trying to seek payment from the defendants insurers. As the credit hire charges for the vehicle are high they are refusing to pay as they claim that i should have opted to have hired a car and paid upfront, should i have been in a financial position to do so, and then i would be reimbursed at a later date. I said that i wasnt in a financial position because as far as im concerned im not... my savings are savings for a reason and it would of been unreasonable for me to use them for that purpose. My solicitors need to prove that i was not in a financial position to have gone down that route hence why they need to provide financial evidence. Now i am worrying that my savings are going to look like i was in a financial position... Which theoretically yes, but that money is saved for an upcoming help to buy government loan.
  4. I am currently in a similar situation and wondered if you can give me a bit of advice. https://www.consumeractiongroup.co.uk/forum/showthread.php?472364-Advice-needed-Claims-management-company-court-case&p=5087639#post5087639 Like you i accepted a hire vehicle after a non fault accident and told auxillis/principia that i was not in a financial position to pay for a hire car myself upfront. I don't consider myself to be in a financial position despite savings accounts, as the savings are for a purpose and i didn't think that it was reasonable for me to go into my savings to foot the bill for a hire car, with no idea what the cost would be/when i would be reimbursed. Principia are still having issues claiming back the hire car charges from the defendants insurers and i am at the stage where i need to provide bank statements. If you don't mind me asking, how has it gone for you in terms of having savings in the bank? I can justify the reasons why i have sums of money in various bank accounts (saving for a wedding etc), but do they take this on board when you submit all of your financial details to them? Any advice is much appreciated as i am stressed the death!!
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