Hello Mich my name is ***** ***** I will help you with this.
For now please let me know when your horse passed please?
30th August 2011
You should to write and set out your losses and ask for a refund within 14 days or say you will go to Court. Make sure you send this recorded delivery and keep a copy.If they refuse then you can issue proceedings which can be done online at: www.moneyclaim.gov.uk or by competing form N1 at: https://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf
The Court will then issue the claim which will be sent to the Defendant and they will have a limited time to defend it, if not you can enter Judgment and enforce it. If the matter is defended it will be set down for a hearing. If the losses are £10,000 or less then it will be a small claim and you do not need representation.Can I clarify anything for you about this today please?
what do you mean by a refund?
Does that help?
Do I have to let the ombudsman know that I am doing this?
Yes you can.
But if the Ombudsman has concluded and I assume they have by the range of offer they suggest, then you can just take action
Does that help clarify everything for you?
Initially I had a long batthle with the insurers they disputed my horse's age. Eventually the ombudsman found in my favour and instructed the insurers to pay me with interest at 8% to compensate for the length of time the case had taken, however they offered me well below what my horse was worth as I explained to you previously. I went back to the ombudsman when it became clear that the insureres were sending me around in circles again and ignoring all the evidence I put forward to support my claim. The Ombudsman recieved my last valuation at the beginning of September and they forwarded it to Lloyds the underwriters. I am very concerned that this will go on for another three years if I am not able to put a time limit on it.
Indeed. However the matter will be settled if you issue proceedings within 4 months
So it will be quick
It will be a small claim
Okay thank you I will try this.
Great. Can I help with anything else today?