Hi guys, ok some time ago I was involved in a motor accident, I sustained minor injuries wich in time became worse, Long story short I claimed for whiplash and was advised to attend physio, over time I had 8 sessions. Time passed and eventually the insurance company admitted liability and I was offered £2200 wich I was fairly happy with, Three weeks later I received a payment for £1100 , I was somewhat confused. They gave me the following rundown, £550 for their 25% fee, £485 for physio, and £65 for other charges,. I was under the impression the physio was free and I’m really confused as to wether I’ve been took for a ride . Let’s know what you think, before I decide what to do next. Thankyou so much.

Sounds like you went with one of the parasite 'where there's blame, there's a claim' companies.

Their contract terms and conditions will have made it perfectly clear that they took a 25% fee, and the amount of compensation is designed to get you physio, etc. to help with recovery - so yes, it's perfectly valid that they pay the physio bill out of your claim.

I suspect the only lesson from this, apart from avoiding no win/no fee sharks, is to make sure you get everything in writing and have it explained if you don't understand.

The fee should be no surprise as presumably you signed up to such a thing. Neither am I surprised that physio was paid for, even if done through NHS. IIRC the NHS have a compensation recovery process for cases like this. If the NWNF shysters failed to provide full and accurate information then you might have some comeback through their complaints process or, assuming they're solicitors, through the Legal Ombudsman or, less likely, the Solicitors Regulation Authority.

OTOH at least you were still allowed £2200:

www.theguardian.com/business/2018/mar/20/every-uk-...s

The maths sounds about right to me, given that you have clearly had a claims management company act on your behalf.

I'm not sure why you expected the physiotherapy to be free. It might have been free to you had you gone to your GP independently, but as soon as you're in the area of a legal claim against another driver and his insurance company it's not a free NHS matter any more and the therapist needs to be paid by someone.

Anyway, you did not pay for your physiotherapy - the other driver's insurance company did. You haven't lost any money, have you? You didn't expect to make a profit from your claim, surely?

Hi guys, ok some time ago I was involved in a motor accident, I sustained minor injuries wich in time became worse, Long story short I claimed for whiplash and was advised to attend physio, over time I had 8 sessions. Time passed and eventually the insurance company admitted liability and I was offered £2200 wich I was fairly happy with, Three weeks later I received a payment for £1100 , I was somewhat confused. They gave me the following rundown, £550 for their 25% fee, £485 for physio, and £65 for other charges,. I was under the impression the physio was free and I’m really confused as to wether I’ve been took for a ride . Let’s know what you think, before I decide what to do next. Thankyou so much.