Ok guys, so heres the current situation; - My insurance company has sent me a letter confirming my insurance will be cancelled on the 6th of September. - They have also told me that I will most likely have to pay the remaining premium of around 900£. - However, contrary to this, I will write them a letter concealing photos of my car and explaining to them that the third party is committing fraud and that I am not taking any liability for any extra suspense other than the cancellation fee of my policy. I will also explain to them that I will happily go to a court of Law and testify my innocence with substantial evidence and claim damages from that third party cockroach. - I honestly was not involved in any incident, therefore there is absolutely no way I can be proven guilty...If i was not involved, how will the third party gather evidence? good luck to him. What do you think guys? As a Law student I rightfully know i am entitled to claim compensatory damages (i.e; I would have cancelled my policy 2 months ago had it not been for this inconvenience, therefore the damages would be the payment for 2 months). However, the process of going through the courts is expensive and time consuming, which is my only doubt.

Hi guys, thanks for the helpful replies. I am thinking of taking the matter into my own hands by paying the third-party a visit and explaining the situation to him. I will also get in touch with police again and try get hold of the statement issued by the third-party. However, do you think it would be wise to visit him directly? (my insurer gave me his address)

I have a huge problem. I am a young driver and i have recently been burdened with troubles i do not know how to resolve. A third-party has falsely accused me of being involved in a car incident which took place on a bank holiday Monday at 10:00PM in the fall of May. This is what happened in chronological order; I woke up one day to find letters from the police at my doorstep. At the moment i thought it would have been a speeding fine or a regulatory driving offense of some sort, and even that would have shocked me. However, i opened the letter to find i was 'involved' in an incident which took place on Ripple road, Barking at 10:00 PM on a bank holiday Monday. Shocked and devastated by the letter, i did not attend college that day in order to resolve the situation. Firstly i rang the police and explained to them i had falsely been accused and what i could do to resolve the problem. They simply told me to write a letter including any evidence i had to support my statement. I did this accordingly and never heard from the police again. I then contacted my insurance company and told them of the situation and then they began to dispute the claim. I remember the bank holiday very well actually, it was a few days before Tottenham Hotspurs final game of the season against Manchester City which took place on the Wednesday. On the date of the incident i have 8 witnesses who can confirm I was at the home the entire day. Likewise, i have witnesses who can confirm the car did not leave the drive the entire week, let alone the day. I have a cheap 2003 Nissan Micra I purchased for around £1000. When i had contacted my insurance company, they did not confirm that the third-party had named a vehicle. Secondly, i supposedly hit into the back of his car with the front right wing of mine. The front right wing of my car happens to be the only part of the car in immaculate condition, there is not even a scratch. I also explained i had no business in the area of the incident which is about a 30-40 minutes drive away from my home. I mean, what would I be doing in such an area at 10:00PM at night. I have no friends, no family and absolutely no logical reason to be in such an area let alone at 10:00PM. I also had a Law lesson at college the next morning at 9:00PM which i attended. The only explanation Ii had in mind was that the third-party may have been fooled by someone using a false number plate identical to mine. I am currently preparing myself for University which I will be starting in the fall of September, and in order to help subsidise my studies I have decided to sell my car, thus cancel my insurance policy. However, I was told by my insurance company that i am not allowed to cancel my insurance policy due to an outstanding the claim. I have found a buyer for the car and he wants to purchase the car as soon as possible. However, due to the outstanding claim I am unable to do anything. Therefore I am in desperate need of some advice. I am going through so much stress and financial problems because of someone falsely accusing me of an incident which did not occur. I had to sacrifice revision time for my A-Level exams because of this problem, and 3 months later I am burdened by the same problem. Not only can i not cancel my policy, I am still paying for insurance I should have cancelled 2 months ago because I have been falsely accused. Me and my mother have also rang the insurance company at-least 4 times a day to deal with this, but have had no help. I am in dire straits and in desperate need of help. What can I do to resolve the situation? How can i cancel my policy in time to sell my car? and is there any legal action i can take on the third-party for putting me through such personal and financial stress. Yours sincerely, Dan.