Credit hire court case bank statements/Impecuniosity

[Noobsabot221]

Quote

Long story short me and my son were rear ended my car was a Volvo XC90. First time accident(naive) so my insurance automatically transferred me over to a credit hire (which I didn’t know) and dropped a expensive car. I then cancelled and said I want to cheapest car possible which they resent around 200£ a day from 500£ a day (I have email proof too so tried to keep costs minimum). Looking however at the small print it says I was classed as Impecuniosity. I did have savings(could probably afford it but I planned to use it for my pension) but why should I be out of pocket for something that wasnt My my fault. This is going to Court now . If they do ask for bank statements would this be a problem if I don’t provide this ? Would it look bad if I’m not classed as Impecuniosity however the car I hired was a lower model and cheaper one? Otherside not accepting fault for everything 

 

Long story short me and my son were rear ended my car was a Volvo XC90.

 

First time accident (naive) so my insurance automatically transferred me over to a credit hire (which I didn’t know) and dropped a expensive car.

 

I then cancelled and said I want to cheapest car possible which they resent around 200£ a day from 500£ a day (I have email proof too so tried to keep costs minimum).

 

Looking however at the small print it says I was classed as Impecuniosity.

I did have savings (could probably afford it but I planned to use it for my pension) but why should I be out of pocket for something that wasnt  my fault.

 

This is going to Court now .

 

If they do ask for bank statements would this be a problem if I don’t provide this ?

 

Would it look bad if I’m not classed as Impecuniosity however the car I hired was a lower model and cheaper one? 

 

Otherside not accepting fault for everything 

[BankFodder]

I don't fully understand the story. It's a bit of a garble but you could start by uploading the claim form in PDF format please.

[dx100uk]

looks like the usual scam of making you have a hire car at elevated expense rather than a free courtesy car from the garage whilst yours is repaired.

 

and now someone? who? is taking you to court for the cost of the hire as you stupidly signed the agreement? and they believe it was an unnecessary expense or the other party wouldn't cough up for the hire costs.

 

sadly a very std rip off of todays insurance industry.

[unclebulgaria67]

Don't think it would be a problem, if you had savings.

 

Your Insurers credit hire arranged the car and you went with a cheaper option, so you have shown that you have tried to minimise the costs of staying on the road.

 

Although Court hearing may been applied for, I suspect it will be settled out of Court.

 

If you were rear ended and did nothing to cause the accident, the third party should be at fault.

 

 

[Noobsabot221]

Thanks .

 

I was just concerned about the Impecuniosity as it’s a broad term?

Is this main reason why credit hire companies work on?  

 

Will I need to provide personal bank statements even if I hired a cheaper car and not if found not impecunious ?

Also what’s a GAT report on car hire?

 

Anybody here whose had been to court for this ?

Sorry just to update my credit hire company is talking other side to court for all the expenses 

[BankFodder]

But to go back to my original post – are you going to upload the claim form in PDF format please?

[dx100uk]

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[Noobsabot221]

Savings are fine ?