Lack of transparency, no payment confirmations, and no proof of mandate

I am posting this review to raise serious concerns about my experience with a company operating as Legal Track (REG. NR: 2002/083292/23), which has been contacting me to collect an alleged debt related to a motor vehicle accident.

Despite making multiple payments in good faith (on 24 October 2025, 25 November 2025, and 10 January 2026), I have not received written confirmation acknowledging receipt of these payments, nor have I been provided with an updated statement of account reflecting the outstanding balance.

While I did eventually receive a breakdown of the repair costs being claimed, Legal Track has failed to provide proof of mandate confirming that they are authorised by Naked Insurance to collect this debt on their behalf. I have also not been provided with any legal documentation explaining why I am being held liable for the full cost of repairs, as I was originally informed by an agent from Naked Insurance that my liability would be limited to the insurance excess.

I have attempted to verify the company’s registration and authority independently but have been unable to conclusively confirm their status, which has raised further concern. Repeated written requests for clarification and documentation have not been fully addressed, yet payment demands continue.

I believe consumers are entitled to transparency, proper communication, and verification when a debt is being collected. At this stage, I am still awaiting: Proof of mandate Written confirmation of payments received An updated statement of account Clear legal justification for the amount being claimed

I hope this matter can be resolved professionally and transparently.