Cheers for that - think I've tracked down a few firms now but will give this one a try. Really beyond the money thing now - I did drop the bloody thing so I know i have truth on my side. Just really really worried about the black mark against my name and that getting insurance for the rest of my life now will mean I have to say I have had insurance refused because of fraud. Will try this firm - u used them?

I did think that and was going to go and pay for two! Primitive I know but then was looking to issue a summons subsequently (assuming they find for me) to get my money back if they don't accept the FOS decision and refund my costs. The FOS has taken over 6 months and its been painful but, ignorant as I am, i though this was the correct recourse before litigation. Always think courts shld be used and want you to use them as a last resort. Interesting thought though - know any appropriate no win no fee who wld specialise in this?

After not having made a claim in my life, I made a claim last year on a laptop worth about £300 that I dropped. Legal and General invoked the fraud clause as their company (CIIS???) said that the damage to the laptop wasnt consistent with my account. So I went to the ombudsman as now I have no insurance and a really worrying black mark against me that will cause all sort of problems and they said that I need evidence to balance out their experts. Basically I've hunted around everywhere and can't find any firm that can provide evidence as to whether the damage caused to the laptop is consistent or inconsistent with my account. Does anyone have any ideas of any such firm that could examine the laptop? It's not a forensic examination - it's a damage assessment one. I know it will cost but I'm innocent and p*ssed off. Thanks in advance