I have a claim with Halifax Car Insurance but as the claim progressed it became clear they personally deal with nothing they are just an intermediary. My claim was passed to Enterprise Credit Hire who before taking the claim forward required me to sign a Credit agreement which left me liable to cost recover if they could not recover costs from the 3rd party. This type of product is totally unregulated and as such if I had any dispute with Enterprise their would be no options for recourse. Eventually after many frustrating conversations with customer services and claims handlers I was advised the policy is underwritten by AXA and I could discuss the issue with them. Thankfully the lady was amazing and they are arranging everything no credit agreement required. What have I paid Halifax for? due to being informed there is not a complaints department I have emailed the chief executive James Crosby James_Crosby@Halifax.co.uk I advise everyone to do the same then some changes may take place.