Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Help-buying car back from insurance- trying to return with missing bumper!?
Help..buying car back from insurance..trying to return car back with missing parts! They gave settlement figure and negotiated amount including return of my car. Cat D damage...spray job to bumper. The salvage comp were going to return and informed had no bumper. When i discussed with inurance their attitude was..oh well..accept the original offer then. I refused and said wanted car back as was road worthy and only cat d damage. Now its not road worthy as the bumper is missing. One of insurance team members said ' the cars are not wrapped in cotton wool when go to salvage' to which I replied ' nor should I accept or expect theft' they may be your agent but i am your client!...where do i go with this. I want my car back road worthy and the settlement figure they negotiated and I accepted.
Re: Help-buying car back from insurance- trying to return with missing bumper!?
This isn't Direct Line or Tesco by any chance?
Things like this happen too often. The insurers, repairers and salvage companies don't really communicate too well with each other and tend to do their own thing, usually because communications cross over.
I'd tell them to find the bumper or provide a cash payment to get a replacement one. Put it as a complaint, because they are bound to say no, and you can then go to the fos.
The rest isn't going to help you, but it will provide a bit of insight as to how insurers are adept at making a complete dogs dinner of the most simple things. The words p*ssup, brewery and organisation spring to mind (and believe me, that is literally true, but I won't bore you). Anyway....
I got a b******ing once for calling a garage to tell them not to allow the salvage co to take the car as insured wanted to buy back (the salvage company was actually preparing to take the car at the time).
The next time it happened, I asked the TL if I could call, given what she said last time, but she said to do as I was told (follow official company procedure apparently but I couldn't see it writen down anywhere). So I did.
I sent a message to the admin team who, next day, brought to me a fax header sheet. I then wrote on it the information required and handed it back. This was then typed up the next day and handed back to me for checking. It was then handed over to the team leader for approval and back to me for correction of spelling mistakes. As there were no spelling mistakes (the TL simply could not spell), it had to be written out again and the whole process repeated. Two days later, I was finally handed the approved and error-correction free document. So I handed it back to some admin person who, next day, faxed it to the garage. I think it was about 9 days in total (acounting for weekends).
By this time, the car was at the salvage yard being broken up and the documents sent to the DVLA. Needless to say, the insured was undertstandingly fuming and a complaint followed which, ironically, came to me to handle. I put a full explanation in as to the events a described, but told to amend it to simply say the insurer had the right to do it and that was that.
Following a "head office" complaint (the insured wrote to the chief execs dept), a full "investigation" was launched and I was interrogated over it. I again explained the process and was asked "why didn't you just call the garage". I explained that I wanted to, but was told not to.
"Why didn't you tell the TL it was urgent?" I was then asked. I explained I did, and that last time this happened (and every time before) I called the garage there and then, but urgency didn't seem to matter.
I heard nothing since, probably I reckon because they knew I was correct and the TL wasn't, but TLs cannot be questioned. I never did follow the procedure again, I just called the garage and ended up having arguments with management and plenty of discipliniaries. Seems they don't like listening to staff!
There you have it. Sorry it doesn't help you, but now you know how an insurance company operates and why they get so many complaints.
Help-buying car back from insurance- trying to return with missing bumper!?
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