This follows a lengthly investigation by the OFT into the motor insurance market. http://www.oft.gov.uk/news-and-updates/press/2012/44-12

Help and advice needed please. My daughter's partner was pulled over by the police in January for not wearing a seat belt, instead of paying the fine he attended a Road Safety Educational Presentation - as such his Fixed Penalty Notice was cancelled. He has written evidence from Essex Police to confirm this as indeed in this letter they quote "As such, I can confirm that no further action will be taken against you in relation to this offence". A letter from Marstons was received on 2nd May asking for £215 for non payment of this offence, stating that they had a Magistrates Court Order and if payment not met in full they would attend 7 days later. The police advised to send copy of letter from Essex Police to Marstons, which was done via e-mail and was told if they called again in the meantime to show them a copy of this letter. Now, today they have called again asking for just under £400 and have left another letter to this effect. Will obviously ring Police again but need to know if there is anything else to do.

Pretty damning report. http://www.dailymail.co.uk/money/cars/article-2150760/Insurers-auctioning-injury-details-claims-lawyers.html

i was at work on wednesday when i received a call from my father saying my car and his car have been driven in to. A witness has come forward to say that he saw the tow truck which was still pulling a polo car and hiT several cars. The police were called to the incident as soon as my family was informed and 5 minutes later the truck was reported as stolen. This was my first car, infact my dream car i had only had for 2 months. I am insured with tesco and the owner of the truck is with axa. I reported it to tesco straight away and they have asked if i want to pay the excess or wait until liability is agreed i said i would wait. Not sure if this is the right thing to do. I phoned tesco today and they have informed me that they have contacted axa only to find the owner hasn't even reported it stolen :s how strange. When it all happened the owner had told the police to give the victims his insurance details so that they can claim from him!! I have a problem that when i took out my insurance i under valued it from 5000 to 4000 thinking that as i have added to the owners my car has lost value. This was stupid of me but i didnt know. Who decides the value for the pay out? Will they only give me what i wrote down? Will it do against the owners insurance? Is the owners insurance company meant to give me a valuation, i mean does it not matter if i put down 4000 as this was on my insurance? Does my insurance go up in price please help me im so confused!!

Hello everybody, This is my first post on CAG. I've been reading through the forums for a few months now as I've got a debt hanging over me that requires sorting. About 4 years I took out finance for a vehicle. Shortly after I crashed the car. Being young and stupid I didn't have the correct insurance to pay for fixing the vehicle. The vehicle was written off due to the damage caused. A few months later I took some calls from the dealer chasing payment for the vehicle. I put off this payment (which wasn't actually long) until they simply stopped contacting me. 4 years later I've been contacted by a DCA asking for payment on the outstanding balance which amounts to approximately £5,500. I sent the 'prove it' template letter just to see what they had on me to which they replied with the original signed credit agreement. I would like to erase my debt and have no problem gradually paying the debt off, but at the same time I don't wish to be screwed in to the ground by paying over the odds to this very pushy DCA company. I understand this is all my own fault, but naturally I would like to pay less than what they are asking for. Any advise on what I should be doing would be very much appreciated. Thank you

Hi all, I just wanted to ask a question. I have a car with accessories that weren't disclosed when I took out the car insurance. I had an crash with another car, and the other driver was responsible for the accident. I read that my policy won't pay for the accesories that weren't disclosed but I wanted to know that taking into account the other car was responsible, if the insurance company of the other driver should also cover the accesories as they should pay for my damages. Thanks in advance.