Trish, I feel for you. I was in dispute with WTC for years and got no where. You are about to deal with individuals and a department that are clueless, they are liars and they don’t give a dam to boot. This is the only debt I had where I gave in and I know I am paying them hundreds of pounds more than I owe. I got CAB and my MP involved, they were just stonewalled as well. Their attitude was. This is what you owe, we can't prove our figures but we know we are right. We can't disprove your figures because we have lost the paperwork, but we know we are right. Good luck.

Many thanks

I had a non fault accident with only 2 days of my insurance policy with HD left. The new policy had already been set up with HD and a deposit paid. The car was declared a write off a week after the accident and HD cancelled the new policy, saying it will be removed from the insurers database. Will I have to declare that I have had a cancelled policy and if so how will it affect future insurance. If anyone has advice especially a Hastings rep I will be very grateful.

On 30th she received an e-mail from the insurers saying that the new policy was cancelled as of the 30th and she has 7 days to reply and confirm the cancellation. They don't mention anything about charges. That's what I was trying to find out in my OP, would they try and make charges on a policy that wasn't due to start until after the accident had happened. I'm a bit wary of her confirming the cancellation date of the 30th, as this would imply that the policy had ran for 7 days and she would have something to pay. I was hoping that because the car was a write off before the start date then the new policy would simply be null and void. The e-mail also staes that, your policy is cancelled and will be deleted from the insurers' database, I'm hoping that bit is good news.Any advice is appreciatedthanks

Accident 18th Policy end date 22nd New policy due to start 23rd Car declared a write off 28th The car wasn't drivable and was taken from the scene of the accident by the insurers repairer on the day of the accident i.e.18th.

I was thinking how can there be a second policy if the car was wrote off because of an accident during the first policy.

The insurer hasn't made an offer yet I was just thinking ahead. The FOS website mentions that they use retail book values from Parkers, Glass's and CAP, I've obtained values from the 1st 2 but Cap are trade only, so I know roughly what the FOS would value the car at.

My daughter was involved in an accident where someone crashed into the back of her, her policy was due to expire 5 days later. The new policy was already set up with the same firm and the first payment had been made. She was told by her insurance that her car was a write off a few days after the new policy had started. What will happen to the new policy? surely she won't have to pay it, will it be null and void? Opinions and advice will be appreciated.

It's my daughters car, she was in it when it was rear ended. I know the ombudsman takes a long time, the ombudsman is not a route we would like to take. I was just asking so now that we know that the insurance firm has to pay a fee it is something that can be dropped into the negotiations if they offer a very low write off amount. The accident was reported to her insurance in the first instance, but she is using her own solicitors for a personal injury claim.

many thanks

If your car is written off after a non fault accident, and you can't agree the valuation with your insurance firm. And you then go to the Financial Ombudsman Service for them to make a ruling, does your insurance firm have to pay any kind of a fee? I ask because I understand that if you make a complaint against a bank or other lender then they have to pay a fee.Thanks

I've avoided letter tennis like the plague for the last 6 years, but now I'm moving house and I don't want them sending letters to my old address.

LOL thanks

Yes I think I am going simple. What I should have asked, is there an individual or a job title that I should write to? Thanks

Capquest have written to me about a CC account originally with Lloyds. The last payment was Jan 2009. I intend to send them a stat barred letter, is there someone in particular I should send it to? Help and advice would be greatly appreciated. Thanks