By credit card.

On 27th September 2016 I bought an Innovate mtxl wideband for £162.50 (sensor amd sensor control unit for my car). This was installed by a professional mechanic on 10th October 2016. On 11th November 2016, less than 1000 miles later, the sensor failed. I contacted the company I bought it from requesting a refund but they would only offer a replacement sensor which I eventually accepted. The replacement was fitted on 21st April 2017 (the car was in stotage over winter), the replacement sensor then failed on the 26th April 2017 with the exact same error code (E8) again less than 1000 miles later. I have again contacted the company who sold me the product and they now state that there is no warranty on the product and the first replacement was out of the goodnes of their heart. Having googled "innovate e8" there are many, many others with the same story. I do not believe this product to be fit for purpose or of sufficient quality. No way a sensor on a car should need replacing every 1000 miles. The manufacturer of the sensor claims an average sensor life of 80,000 km and other manufacturer's controllers that also use this sensor do seem to manage this. I sent the company a letter explaining I do not feel this product is fit for purpose and they responded (in a rather unprofessional tone) they they would not be refunding me. What else can I do to try and resolve this issue?

I recently had an accident where the at fault party left the scene and with the police being as uninterested as usual I was left with the loss of no claims and excess to pay... I decided to send my car to a specialist in my make/model since he was quoting very low for the work having all the parts lying round the stock room and all, this is the garage my car always goes to. I informed aviva of this and was informed I'd have to pay an extra £200 excess for an unapproved repairer, fair enough I thought and informed them I still wanted to use my repairer. They sent out an engineer who declaired my car cat c, unecconomical repair and gave me an offer. After some haggling I took the offer and bought my car back to repair due to huge sentimental value. Now this is where the problems start, I rang aviva to make sure it was all sorted (after only talking to an engineer) and they said I still owed them the £200 unapproved repairer excess, I explained the fact that my car was total loss so was not being repaired but they were adamant I still owe the £200! Surely this isn't right? The policy wording says if I have my car repaired at an unapproved repairer it's £200 extra excess but that's where my and aviva's interpretation disagree. I never had my car repaired atall so I shouldn't have to pay this.