[Bobiverson]

At the moment I am involved in a cash for crash scam with direct line.without getting to complicated we received letter from direct line in August 2024 saying that my wife's aged car that we sold to webuy any car on the 13/10/2023 had been involved in an incident on 11/6/2023 apparently my wife /man swopt details .this is an absolute lie as we were at home in south Staffordshire on that day when the so called incident was in Hounslow London as we are both in our eighties we don't go driving in London and have never been to hounslow images have been supplied of our damaged car and another damaged vehicle but not an image with both cars together we know it's a fraud but direct line seem reluctant to believe us also it took the third party 13 months to report so called incident my question has anyone experienced anything like this thanks

[TC1474]

May I suggest that you look at punctuation in future as this is very difficult to read...

Anyway...

It sounds like the registration late of your vehicle has possibly been cloned. In simple terms this involves nothing more than somebody obtaining a set of plates bearing your registration and fitting them to a similar vehicle.

So I can see that it seems that the crash occurred in June 2023 and you sold it in October 2023. Th that end, find out from the insurance company what name and address was given to the insurers.

Ask if any pictures of the occupants of the vehicles were taken at the scene.

In damage only crashes, the statute of limitation is 6 years, which means that the third party has 6 years from date of crash to report it. The longer someone goes before claiming, the less likely that this is a genuine claim, so ask the insurance company why it has taken so long for this claim to be reported? I would love to know what their response is.

If this is also a genuine crash for cash scam, then the Police also need to be notified along with the Insurance Fraud Bureau for further investigation by them.

Insurance companies are a law onto themselves. Do you have anyway of proving once and for all to the insurance company that you were at home and not in London at the time of the alleged incident?

Lastly, consider contacting the Motor Insurance Ombudsman and speak to them about your treatment by Direct Line. The Ombudsman is the overseer and governing body of all UK insurance companies.
Insurance – Financial Ombudsman service

[Rolebama]

I had a spurious claim attempt against me a few years ago. Definitely contact the Ombudsman and the Police, and be guided by them. Be aware though, that it took 18 months to sort out my problem.