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Horwich Farrelly solicitors claim for a bump

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Hi, first post here.

I found this site after doing a google search on a firm of solicitors named on a letter sent to me today.

 

It's a Claim Form that appears to be from Horwich Farrelly solicitors.

 

The 3 page document has a court address as the County Court Business Centre, 4th floor St Katharines House Northampton NN1 2LH

 

There is a claim number and it all looks like a a summons. It also tells me I can respond to this claim online at http://www.moneyclaim.uk.

 

The claim is that I nudged into another car from behind approx 18 mths ago. T

This is true.

 

There was virtually no damage caused to either vehicle, just scratches, but the other driver insisted in swapping insurance details which I did.

 

As soon as I got home I phoned my insurance company (the Co op) for advice and to report what happened. They told me to to wait and see if any claim came in.

I thought no more about this matter until a few months later when my car insurance renewal was due.

 

When I tried to renew my insurance the prices has gone up by between 50 - 100% regardless of which company I tried.

 

Eventually after a lot of phone calls to the Co op I was told that a claim had been registered against me because I had called them to report the incident of the small bump, and that is why my quotes has shot up in price.

 

I asked if they had received and paid any claim on my behalf, and they told me no they hadn't. But a claim could come in at any time in the following three years.

 

They also promised me if they had not had a claim from the other party within a year they would review the fault claim on my record.

 

I just accepted it, put it down to bad luck and my own fault for nudging the car.

 

After a year passed I called Co op to ask if the other party had made a claim and if I could get the fault claim removed off my record?

 

They told me that they had indeed been contacted by the other party and they had paid out a sum to the them to cover his loss of no claims bonus.

 

I argued that they should have contacted me before to agreeing to pay any money to the other party as he's was clearly trying it on.

 

But, again I just accepted it. After all that is what car insurance is for isn't it? I was fully comprehensive with 10 years NCB.

Again I just put this down to experience.

 

Now, out of the blue I have received the claim letter mentioned above.

 

I don't know what to make of it? The amount claimed in the letter is £2070.

 

Firstly I would strongly reject there was any damage to the other parties car (a 17 year old VW Golf). At most it had a scratch.

 

But secondly, why are they contacting me directly?

 

I was fully insured at the time by the Co op.

They had my insurance details, should they not be making the claim through them?

 

I'd appreciate any help or advice on this as I've never experienced anything like it before. I'm a middle aged lady with 10 years + NCB and a clean licence, until this.

 

Lisa

Edited by dx100uk
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Forward everything to insurance company. Make copies for yourself 1st.

Let the insurance deal with it.

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Removed the claimform pic

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Agree with others.

Contact your insurers.

 

Ask your insurers what they want you to do, in particular regarding the need to respond (if you don’t ensure there is an acknowledgment of service and then a defence lodged, the claimant might go for a ‘default judgment’)

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Who is the claimant ?

 

Horwich Farrelly are solicitors.

 

Andy


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The claimant is named top left on the document but I have hidden his name and address

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So the claim has been made by the the other driver...not his Insurance Company ?


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Yes, I assume he has instructed this firm of solicitors. There is no mention of his insurance company or mine in the document. That's why I'm so confused. Surely this is a matter for the insurance companies to sort out in the normal way?

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Yes...still pass it to your Insurance company to deal with...take copies as already advised.

 

See post #5 above.

 

The claim must be acknowledged by the 3rd Aug and defended fully by submitting a defence by Friday 17th Aug 16.00 h


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He's probably been contacted by ambulance chasers and they convinced him to process a claim for whiplash.

 

Typical sc@m, very common and impossible to stop unless strict legislation is passed.

 

IMO a whiplash or any personal injury should be registered within a week from the accident and it should be compulsory for the insurance at fault to carry out their own medical assessment.

 

That would stop all fake claimants who remember that they had whiplash 3 years after the accident.

Edited by dx100uk
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Dash camera doesn't ensure quick resolution...

 

Ours is still ongoing nearly a year later


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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One other thing I forgot to mention.

 

The above letter was sent to my old address where I lived at the time of the accident.

 

It was only by chance that I received it, because I happened to meet the lady who now lives in my old house and she passed it on to me unopened.

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That is of importance if you’d advised them of your new address (which seems unlikely, from what you’ve said)T

 

If they hadn’t been made aware of your new address, they are perfectly entitled to issue a claim to the last known good address they have for you.

Edited by dx100uk
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Well, when I moved house I didn't inform a firm of solicitors whom I didn't know existed of that fact, just on the off chance that one day they might want to send me a letter.

 

But it also shows to me that they have not approached my insurers (the Co op). Because I obviously informed them that I had moved.

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Dash camera doesn't ensure quick resolution...

 

Ours is still ongoing nearly a year later

 

True, but it will show the accident and the very slow speed as well as all conversation between drivers.

Essential when fraudsters ask for money there and then.

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they are claiming for total loss of the vehicle so it might be worth searching the DVLA web pages to see if this vehicle was taxed, MOT'd etc after this event.

It it was then that puts that lie to bed.

 

Other than that it is likely the person wants a new car in exchange for a 17 year old damaged number plate because the car it was attached to broke down and they couldnt afford a new one.

 

however, I would still acknowledge the claim and tell your insurer all about this. Ack first as many insurers are a but slow off the mark

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He's probably been contacted by ambulance chasers and they convinced him to process a claim for whiplash.

 

Typical sc@m, very common and impossible to stop unless strict legislation is passed.

 

IMO a whiplash or any personal injury should be registered within a week from the accident and it should be compulsory for the insurance at fault to carry out their own medical assessment.

 

That would stop all fake claimants who remember that they had whiplash 3 years after the accident.

 

 

Don't talk nonsense, the claim form is for the vehicle write off value, not personal injury, so you can get down off your soapbox.

 

The OP just needs to forward the paperwork to her insurer to deal with.

 

It will be as simple as the insurance companies not being able the vehicle value between them so a small claim was issued.

 

I would advise against the OP defending this claim herself.

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Update.

 

I called my insurers today (who were Co -op at the time of the incident).

They seemed very surprised that I had received this claim document from a firm of solicitors and thought that it should have been sent direct to them.

So, as per advice here, I've made copies of the document and sent the originals to the co op by registered mail advising them to confirm receipt due to the time sensitive nature of the paperwork.

 

Thanx to all who commented and offered advice. I'll update this when it's resolved.

 

Lisa

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