Sorry about the format, I had it originally in paragraphs. Not sure why its like this....

I recently parked my car to load it up with rubbush for the recycle centre. As I got out of the car my neighbour reversed back and damaged the back of my car. He admitted liability and said we would sort it out.I then went on holidays and on my return asked for his insurance details, he said he would look. I left it a couple of weeks and asked again at which point he said he couldnt find the details?? then the conversation went along the lines that I wasnt insured because I was on double yellow, which I replied was total crap. Our conversation ended with him telling me I wont get a penny and I have left it too long to claim.I contacted my insurance company and they tell me without his registration details their hands are tied and to contact the police for assistance. I have done so but the police say exactly the same, without the registraion details they cannot do anything.I havent seen the van since and would suspect it could be his work companies van. Another hope I had is that my friend was there on both occasions when the incident happened and the conversation with him suggesting I was in the wrong because I was on double yellow. The police say unless my friend knows the reg. details that having a witness is of no benefit. I cant believe even having a witness is of no benefit.Can anyone advise me what to do next if anything, its such a frustration as I stupidly felt that my neighbour of 6 years wouldnt behave like this. Any advice would be greatly appreaciated, even if its to state that I was completely naieve and stupid not to detail the reg. at the time of the incident.

I am coming around to the unfortunate belief that this amount was indeed owed based on a letter I found last night dated 2nd of Oct 2007 which states that my account is 759.08 OD. In the letter it states that "the overdrawn figure quoted above does not include any admin. or overdraft fees ot debit interest for which you are now liable. These will be notified on your next statement" Additional to this I have spoken to A&L this morning and they said I had agreed in Oct 2007 to pay of the amount by paying £145.73 against this total?? I really cannot recall so far back. I have however checked the current account I switched too from A&L but it only goes back two years and I can only see transactions from 03/08. I have however requested statement's which covers the period of 11/07 which should hopefully arrive in the next week. If this amount was outstanding I am struggling to understand ; (1) why have they only began chasing this again now, after the bank charges case ruling? (2) Should I not have received monthly or quarterly statements of the condition of my account even though it was suspended. Note also my online access was blocked? (3) They state I am now liable for any admin or OD fees against this amount, surely if they havent chased me for 26 months they cannot now say oh get it sorted or we will rack up the charges? This has not been the best morning of late, but best to go head 1st and try and resolve this to the least expense I guess. thanks again for your help...

i have a similar issue with A&L asking for £775.50 apparent my account is OD by this amount, they use the same wording on the letter and my query is why they havent asked for this 26 months ago when it was outstanding. i am going to contact them tomorrow to get a list of transactions during thi speriod which was until nov2007 ill keep you posted

interesting reading this as i believe "something strangely similar" is occuring to me. I received a letter from A&L last week requesting monies from my old account(suspended also) to the total of £775.50. The letter reads; "A letter was sent to you recently regarding your complaint to bank charges, which was previously put on hold under the terms of the Financial Services Authority's Waiver. That letter outlined the outcome of the test case on bank charges and confirmed our poisition. As you are aware, your bank account is currently overdrawn by £775.5. When we received your complaint about your bank charges we temporarily placed our collections activity on hold. Now that the Test case on bank charges has concluded, we are resuming our collections activity and would ask you to contact us in the next ten days to discuss... repayment arrangements bla bla" My belief is that the account including overdraft was paid off when my account was suspended which was definitely on Nov2007. Another point to note is that I would of been paid by cheque my bank charges claim on approx May2007. I plan to call A&L on Tuesday to ask fo rstatement during this period. I called last friday querying this letter, and the lady stern as she was said the charges were regarding the bank charges and that you account was overdrawn. I questioned how my suspended account could be overdrawn if the monies related to the bank charge claim which i received by cheque as a good will gesture. She said the money would have to be paid whether is OD or related to charges, Oh and it needs to be paid in the next 6 months. Thats 130/mth until this coming august. Ok now i can see no holidays this yr!!. We agreed when I said I would get back to them Monday regarding this.... And I did, and also spoke to a more patient customer service rep. She has said that my account was overdrawn and that I was supposed to have paid this back two years ago, and since then A&L have notified experian to notify them of my account status being suspended(ouch). When I pressed about why the reference about bank charges she started reading from a hymnsheet about the recent overturned bank charges case. After this she mentioned was I disputing the "bank charges" and if so will have send a letter in writing. Our conversation ended at this point as we had a very bad line and she struggled to hear me(it was a bad line). I said I will be back in touch tomorrow. My queries are; Why has a decision regarding bank charges triggered a request for me to pay off a disputed OD which is apparently 26 month old? Why would my OD have been put on hold because of the bank charges case? If I have to pay this surely it can be spread over a longer period than 6 months? When i call A&L to get statements relating to this disputed period, how much will it cost? I have another post started on this topic on MSE, but the above is a more definitive detail of what has occured to date enlight of todays dealings with A&L Thanks for taking the time to read the above, i know its long but i felt i had to be detailed to see if others are experiencing the same.. Any advice is much apprec.