A letter before action, or something that looked very much like it, arrived on my doormat from an insurance company.
Regarding an incident on 25 October 2018: ‘We are holding you responsible for the damage caused to our insured’s vehicle and the related costs,’ it said.
While I had a valid insurance policy, my insurance company was not responding and so they were looking to instruct solicitors to recover their losses direct from me. Proceedings would be served directly on me and not my insurers and could ultimately lead to a court judgment being entered against me, it said.
The letter then gave me a final chance to contact my insurers and bring this to their attention so they might deal with it for me.
‘There is no need to contact us directly regarding this matter.’
I think I will be the judge of that.
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