[pete-p]

What valuation have they used? Do they not need to use the CAP/Glasses valuation too with adjustments for mileage etc?

For mine I sent in links to similar vehicles for sale showing their valuation wasn't even in the ball-park.

I also had (obtained, thanks to the helpful seller) the receipt as I'd only bought the car 6 months prior but I don't think this will be helpful in your case as you've owned the car a while now.

I also contact a chap called Tim Kelly here https://www.motorclaimguru.co.uk/ who said he would be able to help if needed. Cost would have been about £200 but potentially can be reclaimed from third party!

I hope you can get it sorted.

Edit: Check legal case Coles v Hetherton too https://www.fenchurchlaw.co.uk/coles...overy-actions/