I have Fully Comprensive Insurance on my Car. I had to take my car for a service, therefore I needed to borrow my friends car, which was insured by him which meant I was covered by my insuance to drive this car. I was on my way back from work driving my friends car. I was approaching a junction and the car infront had to stop causing me to stop. When it was her time to go she edged off and I edged off as the road was clear, when suddenly she slammed her brakes on, therefore so did i but it caused me to clip the back of her car causing a minor dent on her tailgate. Fair enough I ran into the back of her, but she was fine, we both exchanged details and agreed to sort it out later and carried on the day as normal. When I got home i informed my insurance and they noted it down. I spoke to the ladies husband later on that week and he said that he needed a new tailgate at the cost of £900 and he took my insurance details to sort it out that way. Fair enough. Two months later, this was yesterday, I received a phone call from my insurance company (RAC), stating that the other people are claiming that there car is a write off, due to a high speed impact to the left hand side of the vehicle caused by me, cause i was speeding and they said that the car had to be towed away from the scene. This is a complete lie, i was totally gobsmacked!!! I was driving no faster than ten mph and only clipped her tailgate causing a small dent to the boot lid. And the car didnt have to be towed away, she drove it away fine, no problems. Where do I stand in this situation, I need to fight my corner as they are telling complete lies. :?

I had my letter today from HSBC offering me £600 (not the £656 that i asked for), but I am going to accept, as it is very much needed now. I am very pleased and cant believe that I actually won. Thanks everybody for the help and advice and good luck to everyone who is in the process of claiming there charges bank.

I have sent my LBA today. On the letter is a breakdown of the charges, but I am unsure if I needed to include copies of statements of these charges. I am just a bit unsure. thanks

I have sent my LBA today, because I havent heard anything at all since my first letter, hope that shifts them into gear now!!

I sent my first letter last monday requesting £653 of charges back. Havent heard anything back yet, cant wait for my reply. Ill keep you posted.