Admiral Insurance

[DanMann]

I sent a demand letter for payment a few days ago, before I instruct a high court bailiff. Sent it FAO: the company secretary, for EUI LTD, via two email, also attaching the judgment and an email sent to me a day ago from the CCBC, confirming EUI have not been in touch with them, have not made any application for relief from sanctions, and no mail sent to them has been returned to sender.

Emails used were Alistair Hargreaves (the CEO of Admiral insurance) and also the general claim@admiral.com email address which they previously contacted me from when I sent that random letter to EUI myself.

I've been emailing Mr Hargreaves regularly for about six months, including sending him the judgment a month ago and my first demand for payment.

I use mailsuite and have confirmation each email sent to him was opened dozens of times.

Anyway, today an admin assistant send me this:

"Sadly, we have been unable to trace your file from the information contained therein. Please reply with one or more pieces of the following information:

• Your full address including postcode
• Your Policy number
• If your query relates to a claim, your claim number

Once we have this information, we will be able to attach your post to the appropriate file and notify the person or department best able to assist you."


I don't know what game they're playing...

I emailed back and told this man

1) You are EUI Limited and I have a judgment against your company. Pay it.

2) Don't know what you're all up to, but good luck trying to convince a Judge you are really that clueless.

3) One final thing - I have read receipts for the dozens upon dozens of times that every single email sent to Mr Hargreaves was opened and every single attachment was downloaded. Times, dates, IP addresses, everything.


Any thoughts?

I really am getting bailiffs involved as of 4pm Friday...

[des8]

My only thought is that I would not have been so patient!

If judgment is for excess of £600 I would transfer it to High Court for enforcement

[DanMann]

So they just made an application, two minutes before the deadline I gave - stated their client EUI had never seen either the Judgment or claim before, and that the first they knew about it was my emails. Also pointing to the differing addresses as the reason. I found the proof of delivery of the receipts I sent to them, btw lolol

[DanMann]

SUCCESS!

Agent Attendance Report - Eui Limited

Good Morning/Afternoon,

Please find a copy of the agents report below: Enforcement Agents Attendance Report. First attendance. Enforcement agent Stuart Butcher attended the writ address of Ty Admiral, David Street on 12/12/2025 at 11:00am. The property is described as an office in good condition. Upon his arrival the agent gained access and provided the relevant documents to security who emailed the relevant department, they met with Carris and provided the details requesting payment. There were some queries about the address which were answered, the agent was advised they had applied to set aside the judgement which should be taken into account. The agent advised that payment was required in full unless there was order to the state otherwise, the agent explained if payment was refused then goods would be removed. The agent was then advised that payment would be made, the agent confirmed the balance had been cleared in full and issued the receipt before withdrawing. I am pleased to advise the matter has now been paid in full. As you may be aware, we hold payments for 14 days and the funds will be paid to yourself by close of business on the 15th day. If we do not hold your account details already, please reply with the following information to allow us to remit payment to you:

[des8]

Da iawn ti

well done, and thanks for the update

[DanMann]

Da iawn ti

well done, and thanks for the update

Thank you for your help!

One last Q...

This 14 day wait before payment, it is so they have time to contest at court...I would say, given that the enforcement officer was content that he had the correct address to seize goods, and was content with the judgment, that they now have an uphill battle convincing a Judge of anything, would you agree?

[des8]

Don't fret!
The delay is to allow for any potential petition for winding up of the business and to protect other possible creditors and is mandated under the Insolvency act 1986

[DanMann]

Thanks! Other possible creditors being others who Admiral owe their money to?

[PallasAthena]

Someone else might know the answer to this, the Agent was told that Admiral are applying for the judgement to be set aside so could that application include asking the court to direct the enforcement agent to retain the money until the set aside application has been considered by the judge?

[DanMann]

Someone else might know the answer to this, the Agent was told that Admiral are applying for the judgement to be set aside so could that application include asking the court to direct the enforcement agent to retain the money until the set aside application has been considered by the judge?

They already made the application - and did not ask for enforcement to be stayed, etc.

[des8]

Presumably you have/will oppose their set aside application

Bearing in mind not only the length of the delay in making the application, but their reasons for not making payment (they wouldn't pay without receipts etc) and their ignoring your numerous attempts to engage with them, I would be surprised if their application was granted

However we do not know the basis of your claim, nor whether or not Admiral have a realistic defence, and this is a small claims track case

[DanMann]

I also found the proof of postage for the receipts I sent over a year ago, which they stated was never received.

A joke company.

[DanMann]

LATEST TURN OF EVENTS:


So I have now received the funds/judgment payment from the debt collection company.

After Admiral/EUI made their application last November to cancel the judgment, some two months later, so early January, I pursued with the CCBC. Found out the application was sent by their solicitor to the wrong email. Sent my own email to this wrong entity asking for the application to be forwarded to the correct place, copying in the solicitor and the CEO. In effect, this made the application untimely made, by any stretch of the imagination - even if you take the date they first state they found out about the judgment as true, their solicitor has not properly filed for two months since, and I have then had to arrange such myself. I will explain why I did this in a moment.

Late January their application was rejected - they did not sign it, did not date it. And did not ask for a stay of the outstanding judgment/warrrant, which is a necessity if the application is going to be accepted by the judiciary.

As of today, almost three weeks later, they have not refiled.

The reason I wanted the application dealt with and a hearing set, is that I spent approx. 20 hours preparing and sent a 20 page document to court, in response to the application, making it clear I opposed it and would be seeking my own costs, as they were seeking theirs. As you no doubt know, costs go to the winner in an application hearing. There was no doubt in my mind that I would win.

We are currently looking at 25 to 30 hours, at the LIP rate of £24 per hour. I ABSOLUTELY demand that every penny is covered by them and will pursue such. My own earnings are even more than this per hour. I also have admin. costs of about £70 and call costs from abroad of about £100.

Apart from pursuing these (and I am asking you the best way to do this - solicitor and CEO have both ignored my recent emails asking for a conversation with them - not surprising), I THRICE when seeking payment of my actual insurance claim, over those three years, made it clear that the money would have been used, firstly for a family Christmas, and then for two separate family holidays. It was over £1,200, closer to £1,500, that was owed.

I am not seeking to get any kind of recompense for these, but mention them to make you aware of such.

After judgment was entered in this legal claim, and after waiting three months for payment in the second half of last year, I sent several emails and proof, emails that I have confirmation were received and read (from a DSAR request made to EUI LTD), making it clear that now, as a newly single man, I was going abroad for three months and would be utilising the money that was owed from the judgment for my planned travels. Sent all these after default was entered - as in two months after, with them having made no application for relief from sanctions. In my mind there was no chance they could or would not pay.

So I made bookings (accommodation and flights) and told them, in no uncertain terms, several times, that the money was needed by such and such a date, and I would without a doubt hold them responsible if I found myself abroad with zero spending money - remember, this had been going on for three years. And the trip I took was based on expectation of the money I was owed being paid as required by law. You know what happened next - utterly ridiculous responses, continuation of sheer willful ignorance (I had as much of a cast iron case as you could get), and I believe I will have no problem showing their behavior was utterly unreasonable.

It was one boneheaded and misadvised mistake after the next - until this application which was not even properly filed and is now rejected. And my having to send bailiffs to their offices (rubbishing any idea they put forward that their address is not actually their address) to get the money finally paid.

So I definitely want to pursue them also for the loss of opportunity of my ruined travels. Two thirds of those plans were miserable precisely because of cashflow issues. they knew full well this would happen, and let it occur anyway.

I know that some might question why I booked a trip if I could not afford to enjoy it. There are several issues at play here, including sending money to my ex and kids. Let us just say for now that my approach was beyond reproach and EUI are almost definitely to blame and CAN be held responsible. They have no get out clause here because of remoteness - I made damn well sure of that in the two months I spent repeatedly pursuing them to pay the damn 2K judgment that they knew the consequences of not finally admitting they were wrong and taking responsibility for everything they had done.

I would appreciate your advice on what next: re litigation for all the above. I think they have made it absolutely obvious that they are a disorganised, scummy company and will continue to act like arrogant and blockheaded imbeciles.

[des8]

The remedy for losses caused by late payment of a judgment award is the 8% per annum statutory interest which presumably was included in the award.
Really you were being too reasonable leaving it for 6 month before enforcing the judgment. After all you had held off starting a claim for two years.
Accordingly I don't think a claim for loss of opportunity will fly.

Similarly I can't see a claim for your costs in preparing for a hearing that was never ordered by the court is likely to be successful


However tagging atticus who has more experience than I and may have a different opinion

[DanMann]

I assume if they do not proceed with their application then I will need to apply to amend both the original judgment amount to include the loss of chance and also to add my costs dealing with an application they told me was happening and then ballsed up so badly afterwards.

I would have thought that, contrary to being advantageous for them, i.e. their negligence in filing it (or failing to), it is actually more a boon for my case.

In that it is another example of all their many failings and supports my assertion of their vexatious conduct and utter unreasonableness.

EDIT: they copied me in on the email with their application, which did not ask if I opposed such, and told the CCBC to use their firms bill paying account to pay the full £305 fee.

So I would say the threat of costs they made, the assumption that I opposed it in the fee they paid, and their being the skilled and knowledgeable legal practitioners (who should know to sign and date legal docs), whilst I am a lowly LIP, would mean it was a fair assumption to make re: this application has been filed and paid for.