hi guys- don't worry I'm not expecting any sympathy whatsoever and I hate myself so much for my particular situation, but wondered if you could advise?

3.5 years ago I was involved in a crash and I was uninsured at the time. My insurance lapsed at Midnight, and I was intending to buy my new policy at 7am when my wages hit my bank. Darn stupidly I drove in between. Our cars touched on a roundabout and the other driver was young and going at a fair speed- I was doing less than 35mph. The other driver over corrected and basically their car came off far worse than mine. I'm a single mum.

I took the points and paid the fine. Over the course of the next two to three months I had letters from MIB and insurers and replied to them all, which asked for me to submit drawings and my version of events. Then all letters stopped. I heard nothing for a further 4 months. I moved home about 6 months after the incident.

I have now had a year of threatening letters from this insurer asking for more than £5k. They send me rubbish printed standard letters claiming to enclose a breakdown of costs. I've never had this enclosed. I can only pay money by installment and it will take a while to pay off what they ask- but I will not pay anything without seeing the breakdown of the work they've had to do and have written on three occaisions asking for this. They don't, but simply continue to send threats of action. I'm happy to try and sort it but surely I should get a bill of costs and what the money was spent on? I'm now beside myself with the stress of what will happen next. The last letter I sent was last week.

What would you expect to happen?