A family doctor who entered into ''no win-no-fee'' arrangements with lawyers pocketed money by compiling fake medical reports for use in personal injury claims, it was alleged yesterday.

GP Lawrence Adler, 63, agreed he would only be paid if his expert opinions led to compensation payouts while working at the Belmont Health Centre in Harrow between 2004 and 2008.

But to get his money, Adler signed off fictitious reports at around £350 a time making up or exaggerating injuries said to have been suffered by claimants, it was said.

One said he knew nothing about a personal injury claim being made on his behalf.

The 21-year old claimant - a driver who was unhurt in a road crash - claimed for £800 damage to his car but ended up getting an extra £2,400 from insurers for ''injuries''. He refused to bank the cheque.

Adler, who lives in Radlett, Herts was investigated by police and the Insurance Fraud Bureau before being reported to the General Medical Council. He now faces misconduct charges accusing him of being ''misleading and dishonest.''

The Medical Practitioners Tribunal Service in Manchester was told the events spanned a four year period between 2004 and 2008 when Adler was working at Belmont Health Centre in Harrow.

Counsel for GMC, Mr Paul Raudnitz said Adler had entered into Contingency Fee Arrangements with personal injury lawyers in which he agreed not be paid for work if his reports did not result in a damages payout.

But as a result he had a ''financial interest'' in the outcome of claims and lost any independence as an expert witness - and he failed to declare his CFA arrangement to those insurance firms being sued, the hearing was told.

A motorist known as Claimant A had been involved in a road accident on the M25 in October 2006 when another driver went into the back of his car. But although he was never examined or even spoken to by Adler, two medical reports were prepared about him by the GP in August 2008 without his knowledge, it was said.

Mr Raudnitz added: "Claimant A didn't seek or attend any examination and didn't know anything about a personal injury claim made on his behalf.

"He said he remembers a discussion with the solicitor and they encouraged him to make a claim but he chose not to make a personal injury claim because, thankfully, he had not been hurt. The car he was driving belonged to his mother, the car was damaged and he made an insurance claim for that. He received a cheque for £794 and he thought his case was closed.

''Then on October 1, 2011 he received a cheque for £2,473. He didn't bank the cheque and asked for his case file and realised a personal injury claim had been made in his name without his knowledge. He found his medical records from the University of Nottingham and the file also contained documents that falsely had Claimant A's signature. "The address was not his address and the signature was a forgery. There was an accompanying questionnaire which said the medical report was accurate but Claimant A says he had never seen the questionnaire before, never signed it and never seen any medical reports.

"The file also contained two reports done by Dr Adler based on his examination of Claimant A plus an invoice from Dr Adler for £350 plus VAT. Both reports were completely fictitious. Report one and report two were both different and in both the address for Claimant A was false.

"In the first report, Claimant A was described as a 21 year old telesales executive. On the other report he's described as a 21 year old student. The first report says he was a back seat passenger in a friends car but by the time report two was written he became a driver in his own car.

"Both reports listed a series of injuries said to be sustained - but in both reports the injuries were entirely fictitious, no injuries were sustained at all. In report one after he accident they exchanged details and Claimant A is said to have gone to an NHS walk in clinic. By the time report two was written it appears that Claimant A was going to the University of Nottingham medical centre.

"Report one said Claimant A took one week of work and a prognosis saying he had been advised to have intensive physiotherapy for eight months until his symptoms completely resolved. Report two advised physiotherapy but said an estimated two months until the symptoms resolve.

"In report one Dr Alder says he Claimant A is still anxious about driving and estimated eight months until that was resolved. In report two any such reference is entirely omitted and there is nothing about anxiety whilst driving or resolution of such anxiety.''

A 19-year old shop assistant known as Claimant B had been involved in two unrelated road accidents with motorists between 2007 and 2008 but Adler tailored his conclusions on medical reports compiled for the two insurance companies acting for each driver in a bid to maximise payouts from each firm, it was said.

He told Direct Line who were acting for the driver involved in the first accident that Claimant B had been more severely injured in that crash. Yet he told insurers at Zurich the teenager was more seriously injured in the second crash.

Adler admitted writing the medical reports but claims he did so honestly. He examined a patient he believed to be Claimant A and filed a report based on what he was told. As regards Claimant B he said he assumed each insurance company would have seen both reports and denies deceit.

In 2010 Adler was charged by police investigating an alleged plot to obtain fraudulent payouts worth up to £4m and he was accused of involvement in the laundering of £89,000 between between January 2007, and March 2010. He was also accused of fraud by dishonestly making false representations, namely that Medico-Legal reports and invoices were genuine, with intent to gain.

But in December 2011 the case against him and 13 other people including several lawyers and an insurance broker collapsed at Southwark Crown Court due to lack of evidence. At the time a judge described the prosecution as ''scandalous.''

The tribunal continues.