Hi Graeme, thank you for replying with that info it was definitely useful. I decided to bite the bullet and call 'Corporate and Legal' while I was on my lunch break today and the thought of 'ripping the plaster off' turned out to be a lot worse than it actually was in the end. I spoke with a guy who was actually fairly amicable and said he wasn't going to push me into a plan while I had unanswered questions about the incident and how the debt is mine to pay. He did explain the insurance issue in broadly the same terms as you did so it looks like your advice was pretty spot on. They are going to get in touch with the company and get all the relevant paperwork and get back to me with that as and when so I'm waiting to see that before I make any next steps. Will keep updated on here once they come back to me for anyone else's reference in future etc. If anyone does have any other info that will be useful while I'm waiting to hear back from them I would still be really grateful for further input. Thanks again though Graeme.

Hi, Around 3 years ago I had a car accident in a car that I had bought recently that I stupidly hadn't got round to insuring. I crashed into a parked car down a residential street near my house but was in a rush to get to a job interview so left my details (under the windscreen wiper job) and left expecting the owner to get in touch. I never heard anything from the car owner until a while later I received a letter and some phone calls from a car insurance company asking me for repayment of an amount they claim I owe for the repairs to the vehicle. I ignored the letters and calls as I was never insured by this company and don't see how I should pay them any money when I never bought cover from them? I then started receiving letters from a debt collector 'The Lewis Group' but I ignored these as I still don't see how I should be paying this money back. Those letters stopped as soon as they started really and I thought no more of it until I then started getting letters from another debt company 'Corporate and Legal Collections'. I am a little worried that they have sent me these letters as I have moved to another side of the country since the initial incident and didn't leave a new address with my landlord or the new tenants who I met briefly. The letters are fairly consistent and haven't stopped like the ones that 'The Lewis Group' sent did and from the tone of the letters it seems like its getting to the point that I should look at the matter and sort it out but I still don't think I should be paying money to this insurer? A friend of mine who I confided in about this had an experience a while ago with 'Corporate and Legal' when she owed money for an old water bill I think it was, and apparently they explained the issue to her and got copies of the bill from the company she owed before they sorted it all- should this be where I start and try and get some paperwork from them before anything else? Thanks for any advice, Cassie x