Thank you Uncle Bulgaria, I was afraid this would be the case. We would qualify for legal aid I believe but it is difficult to find one who offers this who deals with these type of disputes. I am thinking of going to the newspaper to highlight the way my son has been treated but it would have to be me contact them because of my sons anxiety probs. It is dreadful that they are allowed to have this much power and yet we have to go to such lengths to receive fair treatment. I will not bother with the FOS from what I have just read on this site they are biased and do not operate efficently so should be closed down in favour of a new independent and fair service. I will check out the website you have suggested, thank you so much

My and I am in a long running dispute with Tesco Insurance. Briefly they paid out settlement funds to Carlyle Finance without my giving my son the option to agree the figure, without notifying him and without having the ownership papers to the car. We lodged a complaint and they eventually provided a breakdown of the settlement figure which included a deduction of £900 relating to scratches to the car caused by vandels after the accident. We disputed this figure being taken off because it clearly states in their documention that they would only take into consideration damage to the car that happened either prior to the accident or on the date of the accident. It was only when we took the complaint to the CEO that his representative said that they were in their rights to do this because of a time lapse in making the claim. The claim was delayed because of a dispute with Carlyle Finance which is now in the hands of the Financial Ombudsman and has been for several months. Tesco was made aware of this at the time of the claim and was povided with all documetary proof including the Police info relating to the vandalism. At no time during the claim has my son been made aware of any restrictions on his claim due to the time lapse until we sent in the complaint to the CEO. I will point out that the car was deemed as a right-off at the time of the accident so the scrarches would not affect that outcome because they occured after the event. I have written to the CEO to allow him time to reconsider his decision but have heard nothing and feel that we are now just being ignored. My son has just received a letter telling him to send the ownership documentation to Tesco and that he must give them permission to dispose of the car or they will put it out on the road. I am searching for a Solicitor who will give free advice, I really feel my son is in the right here and we are being bulied because we are vulnerable and poor. I disabled, with only partial hearing, osteoarthritis, vertigo, atthritis and tendonitis. The car had engine problems from the start and then suffered a malfunction causing my son to run it into a small tree. We only had it two weeks and was going to go back to the Dealership because it was under warrantee but it had gone bust so we were advise to go to the Finace Company but they refused to do anything after several weeks of considering the issue. We then took the case to the Ombudsman but it has to be looked at by their Adjudicary body first. After several weeks again they did not uphold our case so it went into a queue to be looked at by the Ombudsman. Thus the time lapse for the claim, we were hoping it would not have to come to that and our rights would be upheld but that was not the case and now my son has been unfairly treated by the insurance company too. He now suffers with major anxiety problems contributed to by all this so I would really appreciate some advise to confirm where we stand legally at least with Tesco Insurance. Thank you for your time