XS DIRECT £3000 fake PI claim 2018

[john wick]

Hi,

 

I was recently involded in an accident, in late 2018, where a pedestrian accused me of hitting her when I was reversing.

I did not hit her and I was arguing with her about it but she believed I did.

She filed no police report or call the ambulance, did not take down any of my details and she just went about her day.

(keep in mind I saw the women who claimed to be hit walking fine the next day)

 

A couple a weeks later I recieved a letter from a solicitor making a personal injuries claim.

Of course what followed was a call from XS Direct.

I told them I did not hit her and she was lying.

But they sent an inverstigator and I said the same thing.

 

I did not recive any corrospindent from XS direct for over a year about the accident (they even sent me my no claims 1year bounus email) .

My policy has been over with them for at least 6 months. 

 

randomly, I received a letter through the post saying that I have to pay £3000 for all section claim.

They send me a brief breakdown which states that the personal injuries came up to £4000. of which £3000 I have to pay.

 

I just wanted to know is there a way of me beating this or am I stuck with a £3000 pound dept at the age of 21 that I can not afford?

[dx100uk]

time to alteast send them an SAR

should not have been the only comms you got over this 

unless you've moved?

 

dx

 

 

[john wick]

Hey,

 

Could you explain to me what a SAR is and how do I send it?

 

Thanks

DX

[BazzaS]

Click the link that “SAR” has created in your post, for the info on the SAR.

 

If you can’t afford a £3000 excess, why did you take out a policy with a £3000 excess? That is quite a gamble, and one you aren’t certain to win if the claimant can produce evidence .....

[john wick]

Hey, t

 

I didnt even know I had an All Section excess as I did I through a broker who did not tell me I had a £3000 excess at the time. This was my first insurance I was not privey to how insurance work. If I knew then of course I would not have taken it.

 

young mans mistake.

[dx100uk]

have a read of these threads on cag 

they are well known to us

it will give you the bigger picture 

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=XS DIRECT&oq=XS DIRECT&gs_l=partner-generic.12...39742.39742.0.40919.1.1.0.0.0.0.78.78.1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.jN5ogW9HSnQ

[BazzaS]

Did they send you policy documents?

with a letter saying “read these and ensure the policy meets your needs” 

 

If they didn’t you might be able to claim mis-selling.

If they did, and you didn’t read them (/ read them carefully enough!) : that’d be mistake number 2.......

[RitaRita]

Hi, I have similar problem to your , please, can you update what is going on with your case and are you beating the xs direct? And how, what did you do? Many thanks