thank you! very interesting indeed, very similar to my situation

Thank you I am going to do that too, but at present I am also looking for a solicitor about this.

Thank you for your comments. However, I am now in the position where -- What is going to happen if I sign Principia Law agreement and Principia Law looses the court case? Can I still be covered by Credit Protection insurance provided by Auxillis which is for Auxillis customers and not for Principia Law clients? I would be very thankful if anyone can advise from their experience

I had a car accident and I was not at fault. Admiral who was my insurance provider referred me to Auxillis for a credit hire vehicle. I thought Auxillis was Admiral's branch and by simply trusting them signed Auxillis documents without carefully reading them. After my car was repaired I received a message from Auxillis that I have to sign a client agreement with Principia Law who is going to represent me in court as they could not recover charges from the third party. I was shocked when I called Admiral and they told me that after I signed an agreement with Auxillis it was nothing to do with them. I have paid insurance premium to Admiral and they simply washed their hands. After reading Principia Law documents saying clearly that by signing the agreement all the financial obligations would be my responsibility as their client. I then contacted Auxillis and asked if the documents can be amended by making clear that credit protection still would be in force and would cover me while being Principia Law client. They simply ignored me and pointed me to their credit protection document which states that it covers only Auxillis customers. I refused to sign Principia Law client agreement. Later I have received a threatening letter from Auxillis stating that they would recover from me £5,125 if I don't sign the agreement. If I sign Principia Law agreement and they loose the court case, then do I have to pay their costs plus £5,125 ? Can anyone help please?