Via email....they were very slow so who knows how long they would take if they actually had to print a letter and post it out. I made a formal complaint about CCM to Consumer Direct a while back and I believe this was forwarded to Trading Standards. I would urge everyone else to do the same. The MIB are also a bunch of cowboys, they have no idea what they are doing. I hope nobody has paid out because of their underhanded scare tactics.

I finally received confirmation from the MIB today that they will no longer pursue me and the 'file of papers' (which they never produced despite countless requests) has been closed. They kindly pointed out that I are 'free to seek independent legal advice'. If I had the time or energy I would counter claim for stress....but I'm just glad its over! Their Customer Charter and complaints procedure is to respond to complaints within 10 working days, they didn't respond to me within that time so I wrote back again. No apology. A ridiculous situation from start to finish, they are bullying people when it appears they have no evidence to back up any of their actions or claims. Good luck

"Since there has been no court case then I would suggest that since the claim of the MIB is based on assignment of the rights of the injured party then under the nemo dat principle they can only start a claim within either 3 or 6 years depending on the situation of the date of the cause of action ie the accident." So if it is an assignement of rights regarding a personal injury claim the limitation period is 3 years?

Nicklea - this is interesting! I always keep on top of this sort of thing to make sure I have a good credit file and I haven't had any problems or CCJ's.

Ah ok that is really useful, I didn't realise they sent letters for people. I wish they would just bugger off or actually produce some evidence as you suggest and get out of my life

CAB? Citizens Advice Bureau sent a letter for you? Sorry I might have missed this previously.

Has anyone heard anything back from CCM or the MIB recently? Has the MIB prodcued any information relating to these claims yet or are they still ignoring requests?

Endymion - In your point re Watchdog not standing behind people driving without insurance you assume that everybody the MIB is pursuing was actually driving without insurance. Each case is different, with different circumstances and in my case I did have insurance and I certainly did not carry out a criminal offence despite the allegations. However, despite these facts the MIB chose to pay out and expect me to pick up the bill.....9 years later! I have absolutely no idea what was claimed for but assume it was some feigned injury and the MIB won't release information which they are required to provide. For those people who were actually driving without insurance, even in these circumstances, two wrongs don't make a right and the limitation act, the prevention from harrassment act, the office of fair trading etc all exist for a reason. Not to mention the fact that the government are introducing initiatives to assist people with their debt problems.....and then along comes the MIB who is attempting to disapply the limitation period and almost blackmail people into paying up in fear of court action they can't afford....ultimately landing people in debt.

I am in the same boat! 9 years have passed since the incident! I have received the 'this is at a critical stage, reply within 7 days or court actual will follow' letter. I replied stating Statue barred and they replied accusing me of committing a criminal offence and on this basis they 'are confident' the court will over turn the limitation period. A series of harrassing calls followed. I followed up asking for full disclosure and you won't be surprised to hear that I have received absolutely nothing from them. It seems they are ignoring all requests for any kind of information. I'm not sure about next steps - I have taken legal advice and have been advised to ask for full disclosure but I've already done this to no avail. It seems their next step is simply to issue Court Claims! I'm not entirely sure how it is acceptable to surface after 9 years and then expect somebody to hand over payment. I guess the MIB tactic is to bully and panic people into paying regardless of the facts. It also seems ridiculous that they send a 'letter of assignment' telling you not to contact the MIB and then they take the case back with no notice whatsoever and start issuing claims. It really is disgusting behaviour. The whole situation is making me feel sick with stress. I am truly gutted about this situation. Based on the threads I've been reading today - is it worthwhile liaising directly with the MIB because it seems that as soon as CCM realise they aren't going to make a penny in commission they drop the case like a lead balloon and a court claim follows? The Head of the Recover Department at the MIB is Chris Hoggart. The fax number for the Recovery Department should anyone want to make complaints or send correspondence is 01908 422486 I asked the MIB "Have you received any complaints about CCM" to which I was told "yes we have received a few". That was that.