Hello my name is ***** ***** I will help you with this.
Do you still have the letter from 2003 please?
Do the RCN now deny that they sent you this?
How much did you settle your claim for, or have you not settled yet?
Ok - has the Solicitor given you advice on prospects in the matter?
Why did your Solicitor not make an application to bring RCN into proceedings?
Yes but if you thought RCN did cover you, your Solicitor could have applied to add RCN to the proceedings so the Judge could decide if RCN were liable or you
Ok, let me give this some thought
Ok - you need to raise a complaint with the Financial Ombudsman. They consider all matters relating to insurance related products and can investigate your complaint for free. Their website is: www.financial-ombudsman.org.uk
Your only other option is to issue proceedings against them for breach of contract
You need to write and set out your losses and request a payment within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not pay you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation. Over £10,000 you will need to be represented.
But try the Ombudsman first.
Can I clarify anything for you about this today please?