I had a non fault claim in 2014 and my insurance arranged a courtesy car which I later learnt was a third party hire agreement thing that I had signed.The third party insurer disputed the fees and I had to provide all my financial details to show I could not afford to hire a car. I was mentally ill at the time which I explained and provided them with everything they asked for. I never heard back from them. I received an email today saying I’ve been sent a draft court action that I have to sign. I haven’t received anything in three years. Could this still go to court? And could I be liable? I’m so confused, I received an email from principal law this evening, I didn’t know who they were until I Googled it and realised it’s probably from that accident. There was no information about what the court thing was about just that I had to reply to agree to sign. I also got three text messages this evening too saying the same as the email. I don’t understand how after all this time with no correspondence at all they can do this.