A month ago I was informed by my insurance comp that I had run into a third party at a junction. This was alledged to have happened in March this year. I refused to except any liability as I remember the run in I had with her and no damage was caused to which I have sent many letters to my insurance comp telling them this.

Three weeks ago I received paper work from the third parties solicitor telling me that because no head way had been made with my insurance comp that they would be serving legal procedings against me and to expect some court paper work and to forward it on to my insurcance comp (which I got and sent off the following day) One week later I recieved from the court a Judgement for Claiment saying she had won the case and I needed to send her solicitor a cheque for x amount. I forwarded this letter onto my insurance comp as they asked me to when I called them to let them know what I had recieved. They told me that they sent off the defence paper work but the 'other sides' solicitors said they never received it. They eventually found it and agreed that they would allow an overturn of the ruling for my insurance comp to re-submit the paperwork again.

Today I got in and opened up my mail to find 2 letters from various credit/dept ppl saying that I had a CCJ registered against me and they could help me with debt etc. I was shocked as I have a perfect credit history etc so I called them and found out that this CCJ is to do with this accident.

I am so angry and sick with worry that this will ruin me financially.

I know there are ppl who use this board that have had dealings with insurance companies and legal matters etc and I was wondering what advice you could offer me apart from having a go at my insurance company!!!

Thanks for any advice

Emma