Admiral Insurance

[DanMann]

Okay...had a luggage claim with this insurer. After two years, in which they lost receipts, then asked me to email new ones, then after receiving the email would not accept the receipts for some undisclosed reason, and as I said, after TWO YEARS, I had to put this through small claims.

I was told by them that the legal entity to sue was EUI Limited (their underwriters, but also the umbrella company that owns Admiral) and to use this address:

EUI LIMITED
Off David St
Heol David
CAERDYDD
CF10 2EH

Submitted the claim, after emailing them a draft of it as a preaction warning. Default judgment entered after a month when they did not respond. Judgment sent to them in the mail.

Three months later, CCBC confirm no mail has been returned to sender.

I mention that because this is the address for EUI Limited from Companies House:

EUI LIMITED
Ty Admiral,
David Street,
Cardiff,
CF10 2EH

I then chased up payment - but not before I sent a letter to EUI at the first address asking for them to email me - two days later they responded, from an Admiral Insurance email address, with a copy of said letter attached, asking "what was my enquiry?" Oh, and I have a recording of a call in which a staff member confirms that mail going to that first address would reach them, no problem.

A month ago I reached out AGAIN to Admiral, demanding payment. Included the order as an attachment. Pointed out that there had been no application made since, by them, for relief from sanctions, nor contact about payment, nor any mail RTS, and including in my email the letter I have sent to Ty Admiral, and their emailed response.

After a week, they emailed back to tell me they would not make any payment until I followed their instructions re: receipts. No mention of anything else.

That was over a month ago. As of today, no application made, etc...

Can anyone advise? I know next step is to enforce, but I am curious if anyone can identify what they are thinking?

[PallasAthena]

If there are any Welsh speakers here hopefully they can confirm this, but I believe the two addresses are actually the same place, one the English language address and the other the Welsh language equivalent.

[DanMann]

If there are any Welsh speakers here hopefully they can confirm this, but I believe the two addresses are actually the same place, one the English language address and the other the Welsh language equivalent.

Heol David means David Street.

[des8]

They are not thinking at all.
The office handler is probably quite inexperienced (cheap labour) who has been instructed no payments can be authorised without a receipt.
He/she will not have a clue about a court award or a default judgment.

Just enforce the award ... there is nothing like an enforcement officer walking through the main entrance at Ty Admiral and threatening to take control of their equipment.
They won't need to speak Welsh as few down south do!


Forgot to say, I wonder why the translation of David Street doesn't render our patron saint's name into Welsh (Dewi) as well.

[DanMann]

Indeed! Thank you des8

I was just thinking that maybe they reckon on saying I sued the wrong entity?

[des8]

Admiral is a trading name of EUI Limited. (Reg No: 02686904), so you seem to have sued the correct company.
In any event they failed to defend the claim, and viewing your efforts in alerting them to the default judgment they are unlikely to be successful in an application to have that judgment set aside

pob lwc

[DanMann]

hahaha Diolch

[PallasAthena]

Discussing it any further with a call centre is a waste of time. Send it to the Company Secretary, as the statutory officer under company law, and say you require the court order to be paid within x days or you will begin enforcement action.

But only say that if you really are going to take enforcement action

[DanMann]

Discussing it any further with a call centre is a waste of time. Send it to the Company Secretary, as the statutory officer under company law, and say you require the court order to be paid within x days or you will begin enforcement action.

But only say that if you really are going to take enforcement action

"But only say that if you really are going to take enforcement action"

Why do you say this?

[PallasAthena]

If you make a threat to start legal action unless the other party takes a certain action then you have to mean it. Otherwise the other party will assume that your threats of action are just so much hot air and ignore you.

[DanMann]

I assume therefore that because I put up with two years of nonsense, they figured I would not know what to do next.

I will wait another month then enforce the judgment.

[efpom]

Faced with a judgment debtor who won't pay up, my advice, for what it's worth, is to retain a High Court bailiff to enforce the judgment, armed with a High Court writ, and do so immediately. Let the bailiff do the writing, and if that correspondence is ignored the inevitable result is attendance by a High Court bailiff at the debtor's premises, to seize the debtor's goods and put those to public auction. It is that threat which will very likely result in the OP getting the money owed to him.

[DanMann]

Admiral is a trading name of EUI Limited. (Reg No: 02686904), so you seem to have sued the correct company.
In any event they failed to defend the claim, and viewing your efforts in alerting them to the default judgment they are unlikely to be successful in an application to have that judgment set aside

pob lwc

They've just emailed me this: "EUI Limited is the trading name of Admiral Travel"

Which is wrong, according to Google:

[des8]

You couldn't make it up

From their own website (https://www.admiral.com/accessibilit...kkajYwJGwwJGgw)

"Admiral is a trading name of EUI Limited. (Reg No: 02686904)."


(and I can't find any reference to "Admiral Travel" , altho' there is a company listed at companies House called "Admiral Travel UK Limited" which has nothing to do with our Cardiff friends!)

[DanMann]

What idiots.