Jump to content


  • Tweets

  • Posts

    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

How do I enforce a £5k+ court judgement against Royal & Sun Alliance Insurance plc ***Paid In Full***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1955 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I recently brought a small claim online against a large insurance company (following a recorded delivery warning letter giving them 7 days to respond, which they ignored), they did nothing so when the appropriate time had expired I applied online for judgement against them, specifying I wanted the full amount, plus interest, costs etc, paid immediately (the original loss for which I claimed was 6 years ago). I now have the judgement as of 30th September, and confirmation arrived by post from the court yesterday.

 

The MCOL service show the next step as to issue a Warrant, but it then states that this is only possible for claims up to £5000. The judgement is between £5,000 and £10,000.

 

So, what would you recommend is the best way to get them to pay up? I'm looking for the easiest, rather than specifically the quickest method (though the quicker the better obviously).

 

Thanks in advance for any help.

Link to post
Share on other sites

i'm pretty sure "bailiff advice" will be able to help point you in the right direction

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Link to post
Share on other sites

Please tell us the name of the insurance company. Don't keep this all to yourself.

 

The best thing to do is to have the matter transferred to the High Court and then in force by High Court Enforcement Officers.

 

You will find several companies online which will do the whole thing for you. Check the writing carefully and make sure that you get a company which will not charge you anything if the enforcement fails. This is essential because otherwise if it fails, then you could be liable for the costs which can be substantial.

 

Move quickly on this. Don't bother to tell the insurers. Start the process immediately.

Link to post
Share on other sites

This one – http://thesheriffsoffice.com/is probably as good as any. Don't forget what I said about making sure that you only have to pay the initial fee and then after that it is down to them to make the recovery

Link to post
Share on other sites
This one – http://thesheriffsoffice.com/is probably as good as any. Don't forget what I said about making sure that you only have to pay the initial fee and then after that it is down to them to make the recovery

 

This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

Link to post
Share on other sites
This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

 

Yes if your judgment is over 5K.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites
This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

 

Escalate to HCEO's : Yes.

Equally valid? Probably not.

 

The HCEO's will have right of entry to a business's address, and can take control of goods : so they can go into the insurance firm & say "pay up or we walk out with your computers".

 

A) they wouldn't have right of entry into an individual's private address

B) if there weren't assets to seize : you can't get blood from a stone.

Link to post
Share on other sites
northwestbloke, I suggest you wait and see whether they apply to set aside or to appeal. The order should say how long they've got to do that.

 

Conversely, if the order says judgment forthwith : get the HCEO's in before they try for a set aside!

Link to post
Share on other sites

Thanks for your replies. What I received in the post from the court is a "Notice of Judgment Entered" - it has my Claimant details top left, and the claim number, Claimant, Defendant and Date in a box on the top right, then for the judgment details below everything it just states "In accordance with your request, judgment was entered against the defendant on the 30th September 2015." - the rest of the page is blank (except for a standard footer with MCOL's details).

 

So, there's nothing about "setting aside" or appealing the judgment - but please let me know what action the Defendant can take.

 

 

When I called the court service for advice previously they said that the defendant has up to 30 days to pay up, but I could still go ahead immediately and apply for a "high court writ" and I was directed towards the http://www.hceoa.org.uk

 

I also found forms EX325 (which doesn't apply in this case as far as I can tell, but worth mentioning in case it's relevant to anyone else finding this thread) and EX321 (which seems to apply mainly to enforcing orders against individuals, not businesses) and EX322

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex322-eng.pdf which refers to getting a High Court Writ using form N293

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n293a-eng.pdf

 

Part 1 of that form N293 is quite clear, part 2 is for the court to complete, but I'm not sure who fills in Part 3 as it asks for a High Court Enforcement Number which I obviously don't have yet. It also looks like I need to specify a High Court Enforcement Officer or I can just specify the region (so presumably the court appoints an appropriate HCEO).

 

I'm still not entirely clear what I should do next. It looks like either get advice on using form N293 or otherwise to employ a HCEO to handle it all for me (whilst making sure I'm not liable for any fees). Does that sound about right?

Link to post
Share on other sites

I personally would send the insurance company (recorded letter, probably also an email) a copy of the CCJ asking when payment will be made and stating that you will send the debt to High Court Enforcement Officers if payment is not made by 29 October (i.e. one month from the CCJ).

 

If the insurance company tries to have this set aside later, proving that you have done this would reduce the chances of the company trying to say that they should not have to pay the enforcement costs.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites
Thanks for your replies. What I received in the post from the court is a "Notice of Judgment Entered" - it has my Claimant details top left, and the claim number, Claimant, Defendant and Date in a box on the top right, then for the judgment details below everything it just states "In accordance with your request, judgment was entered against the defendant on the 30th September 2015." - the rest of the page is blank (except for a standard footer with MCOL's details).

 

So, there's nothing about "setting aside" or appealing the judgment - but please let me know what action the Defendant can take.

 

 

When I called the court service for advice previously they said that the defendant has up to 30 days to pay up, but I could still go ahead immediately and apply for a "high court writ" and I was directed towards the http://www.hceoa.org.uk

 

I also found forms EX325 (which doesn't apply in this case as far as I can tell, but worth mentioning in case it's relevant to anyone else finding this thread) and EX321 (which seems to apply mainly to enforcing orders against individuals, not businesses) and EX322

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex322-eng.pdf which refers to getting a High Court Writ using form N293

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n293a-eng.pdf

 

Part 1 of that form N293 is quite clear, part 2 is for the court to complete, but I'm not sure who fills in Part 3 as it asks for a High Court Enforcement Number which I obviously don't have yet. It also looks like I need to specify a High Court Enforcement Officer or I can just specify the region (so presumably the court appoints an appropriate HCEO).

 

I'm still not entirely clear what I should do next. It looks like either get advice on using form N293 or otherwise to employ a HCEO to handle it all for me (whilst making sure I'm not liable for any fees). Does that sound about right?

 

Not unknown for companies to apply for set aside, with reasons against the claim and the claim going missing, so they did not have chance to respond.

 

You might want to send an HCEO to the Insurers to gain quicker payment and to embarrass them. I am sure an HCEO will tell you exactly what needs to be done in completing the paperwork and once the court has actioned these, they will take over enforcement.

 

But you could send the Insurers head office a copy of judgement asking them to pay by x date or you will elevate for high court enforcement, which would add significant addtional costs for them to pay. They may choose to settle quickly and then you don't have to mess around.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
  • 2 weeks later...

Thanks everyone. The 30 days is nearly up and today I've instructed High Court Enforcement, based on the recommendation of a solicitor who's been dealing with a personal injury claim for me (I came off a motorbike a few years ago, small incident but fractured arm etc). I had also googled The Sheriff's Office for reviews and there weren't many good ones (from the point of view of a claimant i.e. their customers). The first step is for me to pay the £60 fee to have the case "moved up" to the High Court by the solicitors that HCE use, then they'll go and collect on the debt. If they're unsuccessful they charge a £75+VAT Compliance Fee (both TSO and HCE charges were identical - maybe they're regulated fees) - although that's unlikely in this case of course, being a multi billion pound business.

 

I probably should have instructed HCE weeks ago, although it might provoke the Defendant to apply for it to be set aside and I'm told that the longer they put off applying, the less chance of the court approving such an application. Whatever the case, I can't turn back the clock and I've instructed as of today.

 

I'll let you know how things go.

Link to post
Share on other sites

I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

Link to post
Share on other sites

,

I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

 

Quite a lot in my experience. They have artworks on boardroom walls often worth thousands. All the chairs, furniture etc.

 

They will pay up pretty quickly to save embarrassment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

 

As I understand it, they can take whatever they want until they estimate they have enough stuff that can be auctioned to realise enough to pay the debt and their fees.

 

This relates to a non-injury road accident I was involved in with a driver whose motor insurance cover was provided by the company in question. I chose not to claim via my own insurance (though I notified them, as one is required to do) and claimed directly off the other driver's insurance company.

 

In normal circumstances it's difficult to prevent the other driver's insurance company from finding out who one's insurance is provided by (in order that they can deal directly with one another over the incident/claims), by virtue of the fact that vehicle details are required to be entered on the MID (Motor Insurers Database), but in my case cover was provided under the umbrella of an "any car" policy and whilst there is a minimum period after which it is mandatory to log a vehicle's details on the MID, in this case I hadn't had the vehicle long enough, so it wasn't on it. Hence, due to my large excess (four figures) and full but non-protectable NCD (which would likely also have meant a significant 4 figure increase to the following year's premium - unless liability was settled as 100% the other driver's fault, which he disputed), rather than claim via my insurance I set about claiming directly off the other driver's insurance company. They could have settled ages ago, but they didn't and I didn't chase it until the 6 year limit for bringing a claim was looming. As mentioned already, I wrote by recorded delivery and they ignored it, they also seemingly ignored the court claim, the result of which is that I now have judgement against them. They haven't yet applied to have it set aside and the next steps are to get the High Court Writ and then the enforcement officers will be knocking on their door (and yes, I did check their address to which I issued the claim was still current and correct, so there's no excuses for them not knowing about it).

 

Can they apply to have it set aside when there are enforcement officers present at their premises?

Link to post
Share on other sites
As I understand it, they can take whatever they want until they estimate they have enough stuff that can be auctioned to realise enough to pay the debt and their fees.

 

This relates to a non-injury road accident I was involved in with a driver whose motor insurance cover was provided by the company in question. I chose not to claim via my own insurance (though I notified them, as one is required to do) and claimed directly off the other driver's insurance company.

 

In normal circumstances it's difficult to prevent the other driver's insurance company from finding out who one's insurance is provided by (in order that they can deal directly with one another over the incident/claims), by virtue of the fact that vehicle details are required to be entered on the MID (Motor Insurers Database), but in my case cover was provided under the umbrella of an "any car" policy and whilst there is a minimum period after which it is mandatory to log a vehicle's details on the MID, in this case I hadn't had the vehicle long enough, so it wasn't on it. Hence, due to my large excess (four figures) and full but non-protectable NCD (which would likely also have meant a significant 4 figure increase to the following year's premium - unless liability was settled as 100% the other driver's fault, which he disputed), rather than claim via my insurance I set about claiming directly off the other driver's insurance company. They could have settled ages ago, but they didn't and I didn't chase it until the 6 year limit for bringing a claim was looming. As mentioned already, I wrote by recorded delivery and they ignored it, they also seemingly ignored the court claim, the result of which is that I now have judgement against them. They haven't yet applied to have it set aside and the next steps are to get the High Court Writ and then the enforcement officers will be knocking on their door (and yes, I did check their address to which I issued the claim was still current and correct, so there's no excuses for them not knowing about it).

 

Can they apply to have it set aside when there are enforcement officers present at their premises?

 

No as that would take time, but they could apply for a stay of execution to stop HCEO action. Pretty unlikely. They will just pay up, if they have not taken any actions already e.g already applied for set aside and will ask court to look at urgently

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks. By way of an update, the High Court Writ has been obtained and HCE have written to the company concerned giving 7 days (working days plus 2 days postage - so nearer 2 weeks in reality) to pay up otherwise enforcement officers will visit.

Link to post
Share on other sites
  • 2 weeks later...

Well, the time expired and the job was passed to an Enforcement Agent on Saturday. When I spoke to him this afternoon he'd been looking forward to the job and was going to it as his first job this morning. On his way, however, he was notified that the Defendant had paid up in full. HCE have now confirmed that they have the total amount of my judgement, a statutory £111.75 (which effectively includes a reimbursement of the £60 fee I pre-paid to have the matter moved up to the High Court) and £80 in interest. However, they're bound to keep hold of it for 14 days before sending it to me.

 

It's fair to say I'm happy with the outcome and the process itself wasn't too arduous (it would have been a lot different if the Defendant had decided to respond and could perceivably have counter-claimed too). I'll reveal who it was once I've banked the cheque.

 

For now, I just need to dispose of the damaged vehicle that's been in storage for over 6 years.....

Link to post
Share on other sites

Excellent ...well done NWB delighted that this has been resolved.

 

Thread title amended to reflect your success.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites
  • 4 weeks later...

Just a quick note to say I received the cheque from HCE and it's now cleared my account. The legal department of the insurance company in question have since been chasing me to confirm in writing that the debt is satisfied so they can get it removed as a black mark on their record. I did email but had to put that it was subject to clearance of the cheque. I can't say I'm all that inclined to be helpful and quickly forthcoming given how slow they were, but all's well that end's well I suppose.

 

Anyway, I said I'd reveal who it was once it was all settled. It was Royal & Sun Alliance Insurance plc, Parkview House, Victoria Road South, Chelmsford, Essex CM1 1NG. The date of the judgement was 29th September 2015.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...