I am in a unique situation and need your advice.
I had a bingle in Nov'18 and logged a insurance claim and work was completed on the car. In April this year the insurance company send me email saying the there is no progress on the claim and would like refund the excess.
I gleefully accepted the refund. Yesterday insurance company called be back that they were informed by repairer that the work was compelted and asking me to pay back the excess, so they can pay the repairer.
Is there a legal obligation for me to pay back the excess? Forget the moral part for now…