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  1. I purchased a car in Dec09 which was HPI clear and looked in Mint condition.Soon after I noticed major problems with the car, had it inspected and found it to be a death trap!I took the trader to court and won, but the garage then closed and the owners went into hiding, they are now subject to a £500,000 fraud investigation and have left me being owed over £90,000 and has put my life at risk both financially and physically.It transpired that 10 months earlier the car had been in a severe head on collision and the insurance company was Direct Line.It took Direct Line 18 months to apply the write off marker to the vehicle so that it could be seen on HPI, this was 8-9 months after I purchased the car. So far 18 months this car had no history what so ever!A major series of failures occured during this 18 months: They did not know where the vehicle was located. *** The vehicle was abandoned 2 weeks in to the claim, Direct Line where never aware of this! *** Paid out to someone who did not own the car, as it went missing whilst under finance when owners company went bust! Failure to pay out to finance company Failure to seek out correct ownership No warnings placed against the vehicle throughout duration of claim. When Direct Line decided to settle the claim 18-19 months after the accident they even let the claimant retain the salvage.(As many of you may know, an insurance company should process a MIAFTR check which looks at ownership, finance and security warnings. When DirectLine paid out none of the above was acted upon)I have contacted Direct Line Executives and now RBS group legal - and after 8 months recieved a letter saying liability denied. This was then put to them again stating their failures, to date no response.I have been to all the government agencies and that has been as useful as a hole in the head, no one is willing to pursue this as I was not the owner at the time of the accident. In essence I am a third party that has incurred loss due to the fraudulent actions of others and the inability of a major insurance company to act under a duty of care to protect the public.Anyone any ideas? The paperwork I have on this is sickening and I cant believe there is no legislation or law that can assist me.
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