So far, to say that I am seriously unimpressed is an understatement.
In January 2013, I sought to obtain advice via the Irwin Mitchell legal helpline provided by my Axa home insurance policy. On no less than three separate matters, I was given duff advice: I was told I could sue the CSA actually, the CSA cannot be sued for negligence. In relation to the second matter, I was told I could go to the LGO I quickly discovered that the LGO didn't have any jurisdiction whatsoever. The third matter related to the Party Wall Act and the poor chap who was supposed to be advising me was absolutely clueless. I'd have been better off asking my cat for guidance.
Presently, in relation to a current building dispute, I receive lengthy generic letters/requests for evidence from Irwin Mitchell, whilst my position remains entirely unprotected vis a vis the developer because, despite what I would consider to be a fairly urgent situation, the developer has not received so much as one single letter from Irwin Mitchell in the seven week period during which they've, apparently, been considering my claim.
These letters from Irwin Mitchell to myself do not progress my claim in any way whatsoever. It's as if Irwin Mitchell is doing its best to rack up the costs under the pretext of considering the viability of my claim without providing me with any meaningful service.
I've already received advice that my claim is worth pursuing, but Axa wouldn't fund the firm who provided that advice because it's not on their panel of solicitors instead, I'm left with Irwin Mitchell who, basicallly, judging by the content of its latest eleven page letter, just want me to get on with it and conduct the litigation myself. I've actually just been advised in the depths of an eleven page letter - to find out if the Party Wall Act applies and to write to the developer myself, advising it of the remedy I want! Are they charging Axa for that letter? The mind boggles.
There appears to be no willingness to engage with the facts of my case and the complete absence of any sense of urgency is quite extraordinary.
I am SO frustrated. Year after year, we pay for these legal protection policies in good faith, but, when we actually need them to deliver, we are left powerless.
As I understand the position, the government is keen to encourage the purchase of these policies. If so, it definitely needs to provide more protection for the consumer.
In a nutshell, I definitely wouldn't choose to instruct them. I will update this review periodically.
UPDATE: It seems to me that this cosy little arrangement between Arc Legal and Irwin Mitchell has been flourishing at the consumer's expense for years. What we read here is, doubtless, just the tip of the iceberg this unholy alliance is most likely the kiss of death to practically all legal expenses claims, legitimate or otherwise.
I've cancelled both my renewal with Axa and my new policy with Barclays, as I'm voting with my feet by refusing to insure with any company that uses Arc for its legal expenses cover.
I shall now complain to the Financial Ombudsman service. Eventually, some clever ombudsman caseworker somewhere may be bold enough to say that Arc can't hide behind Irwin Mitchell's ruthless filtering out process for ever. read more