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Hello my name is Jamie and I will help you. I am just reviewing your question. This is an email service so there may be delays when responding.
What is it you want to know about this today please?
Yes I have seen this. But what is your question regarding the background?
Ok. I assume you were represented? Did your Solicitor not check?
Have you been to the Ombudsman?
You have 6 years to bring a claim under the Limitation Act 1980 for breach of contract or 3 years from date of KNOWLEDGE for negligence
Can I clarify anything for you about this today please?
That date the insurer denied.
Does that clarify?
Sadly all you can do is take it to Court, if you are in time.
No, from the date the BREACH occurred
6 years from the date the contract was breached, ie when the breach took place.
Not from date of denial.
I think it likely breach was in 2014. But you could try and argue June 2016 is when it runs from.
You can take action now. The clock stops once you ISSUE a claim
Does that assist?
Start a claim in Court.
You can do that online www.moneyclaim.gov.uk
You should do it before Limitation runs out
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Sure that is fine.