Home insurance - accusation of fraud

[RENAULT]

Hello. Firstly, hope everyone is keeping well. I'm trying to find a ProBono clinic within the London area, but have failed. Most clinics suggested by LawWorks refuse to take my case, as I do not live within their borough. My Home Insurance refused to pay out on a contents claim in 2019, as they claim I committed fraud by not disclosing a bankruptcy in 2004. Yet when asked at the time in 2018, the question was very clear... 'Have you been bankrupt in the last five years'. I said no. I sent them my discharge letter from the High Court dated 2009, but they still sent me a letter this year suing me for £94,000 for building works that had started in 2019. I have contacted the Ombudsman, who agreed that Fraud was not the case on my part. I contacted one solicitor for a free advice phone call last year, and they said I had not committed fraud, which they confirmed by email. I am not entitled to Legal Aid and can not afford a solicitor/lawyer. I telephoned the law firm representing the insurance company and the lawyer said he did advice his client this was not a strong enough case against me. My first thought was unprofessional and a form of entrapment. I clearly stated in writing I refuse to pay all costs, and refuse mediation, as I have not ever committed fraud. The fact they have cancelled my insurance policy means I can no longer purchase home insurance in my name. Does anyone know of any ProBono clinic that would not turn me away. I did contact one university who runs clinics, but they have already said they work for a particular borough in London, which means I will not hear from them.

[islandgirl]

Have you tried the insurance ombudsman?

[des8]

You say they "sent me a letter this year suing me for £94,000"
Has the insurance company actually issued a court claim?

[RENAULT]

You say they "sent me a letter this year suing me for £94,000"
Has the insurance company actually issued a court claim?

Hi. The solicitors letter gave me three options. First Option: pay the full amount. Second Option: to mediate for a settlement amount. Third Option: to go to court. I declined options one and two,

[des8]

So you haven't yet received a court claim form.

If it were me, my reply would be to warn them I was about to issue a court claim for specific performance of the insurance contract if they did not meet my contents claim and reinstate the policy.
However if they implemented their intention to initiate a court claim, I would be lodging a counterclaim