I have just received claim form for a CC debt of about £4,400 from 2009 and they have claimed interest for 6 months + upto the date of judgement, but no mention of going forward. I don't mind paying them original amount in instalments but I am worried that if I accept the claim as it is then they may ask the judge for 8% interest until the debt clears, which may mean the payments I make will just pay off interest. Someone has told me that if I defend the case by asking them to prove the debt then they are likely to concentrate on proving the debt and not ask for interest going forward. But if I accept debt at the first stage then they are most likely to ask the judge to add 8% interest. Is this correct assumption? But I know that if I defend then I will be slapped about a £1,000 in further legal costs. What could be the best course of action in this case? Is there an argument against paying interest of 8%, which I may be able to use? I will be grateful for your comments.

Hi I have a claim with a legal cover insurance for a car accident that happen in 2015. This is covered under my house insurance, so it is no no win no fee claim. They have sent me to a doctor. He created a report that was wrong since the beginning. I have object to it but the insurance insist it would not make a difference to my claim. Then the doctor send me for MRI scan for my shoulder that I had issues with since the accident. He came back to say " in his opinion after looking at the MRI scan, the issue with his shoulder, joint to hand, is degenerative and is been brought forwards by the accident by 3 years". I gone with my girlfriend to see him after few months of the accident, I said to him, I lost consciousness at the accident, I have issues with my neck, back, (they are getting better but still cause issues), shoulders, leg was broken and badly injured the muscles, tissue and bad scars. To understand the accident, I was slowed down to 40mph, gone out of the road to avoid them but they still hit me with 60mph. The front right side of the car was damaged, wheel broke off, the door gone into my leg, broke the bone and damage my muscles, nerves. I was holding the steering straight so the car not tip over because I knew the wheel would brake and had my foot on the brakes. So I got all the impact force on my shoulders and leg. He said in the report, I gone with my wife, I have not lost consciousness, he said "I said" that back, shoulder and neck have gone after 3 months of the accident, my leg is been fixed (broken bone), he does not mentioned anything about the rest of the damage on my leg, he does not mentioned to the report that I never had any issues with my shoulder join before the accident, he only show his opinion. I had the accident on 07/06/15 and gone for the MRI scan on 22/07/16. After his second report, after the MRI scan, I questioned the degenerative comments as the MRI was more than a year after the accident and never had any issues with my joints before, he replied: The client had the accident in 07/05/15 and the MRI scan was done on 22/07/16, well within a year time". I asked the insurance to scrap this report as the doctor they have sent me is not capable of creating a legal report, he does even know how many months are within a year, but they refuse, even after I said I pay for the second report from a reliable doctor who can actually create a legal accurate report. They tell me that changing all these errors would not make any difference to my claim and I can only claim 10K-11K. After I seen an independent solicitor he advised me to not release the report if I am not happy. I told that to the insurance claim, I asked them that by asking me to release an inaccurate report is their legal advice but they refuse to reply to this question. They keep telling me we can go back to the doctor to correct his report, but I already asked for the report to be corrected twice and once the insurance company refuse to pass the correction to the doctor as they said it would not affect my claim, and the second time I asked the question about the MRI and and the degenerative comments he did not correct nothing, he just came back with the 13 months is well within a year comment. I just stuck now, if you go from no win no fee solicitors, the take 20%-40% of your claim, probably to do the same job as the idiots that my home insurance sent me. Anyone else had similar issues that can provide with any comments? Thanks

RBS have acknowledged by complaint however they have asked 35 questions and given me 4 days to answer. The questions are all financial, employment, medical and status related and refer to 1997. I ma afraid I don't really have answers for the majority and therefore I am seeking opinions or information about the possible outcome should I not be able to provide the information they require. I would appreciate any help or advice that is available.