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oddjobbob

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Everything posted by oddjobbob

  1. Well we never exchanged insurance details as we both agreed to get the damage to the TP car fixed at my expense. With no wish to offend in any way, I'm perfectly aware of what i did wrong, I have to deal with what i've got, not what I ought to have with hindsight! Bob
  2. 'Problem is they have a medical report saying that he did have whiplash so it doesn't really matter if you think its a spurious or not.' Absolutely, I said as much in prev post... nothnig I can contest. 'You settled part of the claim yourself, unfortunately you didn't settle it all' yes I did, and my point prev was that I can surely reclaim the part I've already paid as this would have been the insurer's liability. 'Have you spoken to your insurer since and told them about the MIB's claim?' First thing I did when the MIB stuff came through. They are aware and are payin
  3. LOL ... yes, but this is easily sorted with their cooperation, the car must have a registration of some kind, and it can be found from the chassis number. I agree about Arnold Clark though....
  4. Hi ganymede Well obviuosly I hope you're wrong, but I've no idea. The TP did NOT have whiplash and was in fact building an extension on his house... you can't carry a hod with whiplash.. but notwithstnding that, yes I was at fault, but that surely is the whole idea of insurance.. I could have left it to them but chose to pay the claim myself... had I claimed from them, the fact that I was at fault surely makes no difference. I wasn't being obstructive with the insurers, only the TP as I knew his whiplash claim was spurious... except that the MIB have now paid him so there's moth
  5. 'I think it would be unlikely they would take you to court. Your defence is quite simple really, in that you had contact with the TP at the time of the accident and as far as you were concerened it was settled' GOOD ADVICE 'Anyway, they could easily have notified you at or shortly after the incident that they wanted to claim further either directly or through their insurers or a solicitor. Then it would of been handled by your insurers. So suggest you put it back on them that they have left it too late.' I DIDN'T KNOW ABOUT THE 'WHIPLASH' TILL 6 MONTHS LATER... AND I JUST
  6. Ae you sure they haven't reduced the car price by £650 so that the guarantee is in effect 'free'? Lots of garages would do this as it saves their VAT bill.
  7. I'll have a bet that the true reg number is an angram of the noe thats on there.. eg AG53 ADF instead of AG53 AFD or something. The DVLA can give you the reg number if yuo give them the chassis number (17 digit number under the bonnet) You will need to describe the car eg green citroen 1.6LX Saxo or whatever and explain the situation. After this you can get a V5 and tax... the dealer should be MORE THAN PREPARED to do all this on yuor behalf
  8. I'd say its a genuine error and I don't doubt that Arnold Clark will put this right i one way or another.
  9. I note they want an 'amicable' settlement. In which cse I would write and explain your illness and the fact that it is chronic and longstandnig and it is unlikely that you will work again in the froeseeable future. Bearing this in mind, you DO however have £xx? (£200?) put by for Christmas and if they would like to accept this in full and final settlement then you will happily post that to them. Other than that tell them that if they decide to take you to court you will of course make an offer to pay, but, bearing in mind you are on benefits that would probably be £3 a mnoth or
  10. First ever post, so please be kind... In January 2006 I was in a car accident (my fault). at the time I was in the motor trade and was insured, but the damage to the other party's car was minimal and I got it repaired for them by the professional repairshop I had used for years. They were happy with the repair... no isurance company involved, great, although I DID telephone the broker to say that I'd had an accident but wouldn't be claiming (they have no record of this, which is unsurprising as 5 1/2 years have gone by..) Anyway about a year later I got a call from a no win no fee la
  11. @ ganymede ... Probably excellent advice, but I can't see a forun labelled 'legal issues'.. can a moderator help? @ mwynci ... thank you. I will. I don't know for SURE that they're going to do it, but if they do be assured I will use all available weapons!! Bob
  12. It's not the seller's responsibility to service a car before he sells it. Althuogh of course many main dealers and some other dealers do do it. The problem is that if a seller spends £100 on servicing the car, will he get £100 more for it at sale time?... or will the buyer(s) look for one a little bit cheaper in auto trader? We need to know if the head gasket IS actually gone... I was told this years ago by a garage on a merc I owned, it drove perfectly, didn't boil until short of water, but would lose a pint of water ever 200 miles. It was a faulty radiator cap, £4.95 from
  13. Hang on a minute.... 'head gasket has gone'... do you know this for sure? Or is the servicing garage trynig to get a few quid out of you? Has the car overheated / lost water/ lost power 'air conditioning not working'.... was it ADVERTISED as having airconditioning? A proper aircon man will diagnose the problem for you... it could be as simple as a regas £50 or as difficult as a condenser (£500)... but if the advert did not say 'airconditioning' as a feature then the dealer may well claim he was unaware that the car had this and that's why he never advertsed it.. in other words, he n
  14. I should add that a rare exception to this rule is that if the vehicle is on a LEASE... ie not hp, but leased to a company for example, then you will not get title to it. But even in that sort of case, the finance company don't really want the car back, they want a few quid to close their file on the headache that it's giving them.
  15. No within reason what you paid for it makes no difference. HPI have a record of all HPI checks done on the vehicle. If, the day before you bought it, it shows that a member of the public (ie you) HPI'd it and found it to be on finance then you wouldn't get title to the car. In law you are innocent until proven guilty... they have to show you were aware of something, as long as it can be reasonably shown that you bought it in good faith without any inkling that there might be a hidden problem, you get title. Be lucky!
  16. I was in the car trade for many years now retired.... What a previous poster has told you is correct. If you bought the vehicle IN GOOD FAITH from the seller then you get title to the vehicle and the finance company's argument is with the person(s) tht borrowed the money. if you ran an HPI check prior to purchase and KNEW there was finance on the vehicle and bought it cheaply on this basis then you do NOT get title to the car. Call the finance company, under no circumstances give your address (give a reltive's address for any letters) and tell them you bought the car in goo
  17. When I was ni the car trade we used to do HP. It was well known throughout the trade that if a customer was turned down by the main lenders, you could almost always get them on with Welcome. The reason? they were up to every trick in the book. PPI GAP insurance compulsory £1500 Warranty and loads more These were all addted to the loan amount. So say you bought a car for £3995 and financed £3500 of it... add on PPI, GAP, the warranty, etc and your loan is for £6500. Often at 35% APR They KNOW at welcome that they're going to get a 20% or so failure
  18. I was a car dealer for many years but retired a few years ago... TBQH AA inspections are a nightmare, if anyone wanted one on one of my cars I WOULD NOT TAKE a deposit and informed them that if they wanted an AA ins then the car remained on sale until such time as they were happy to leave a deposit AFTER the inspection. The reason is that the AA HAVE to cover themselves and will absolutely slte any secondhand car... it sounds like the car is falling apart when you read the report but it's a perfectly good SECONDHAND car. EG you would read the following oil level low engin
  19. They want me to pay because I apparently failed to inform them of the accident within their time limit. They are saynig that because of this the claim is invalid and so I have to pay. With hindsight I SHOULD have told them of the problem as soon as the words 'whiplash' were used, but I just thought 'No, I've fixed the car, paid out £1000+ of my own money, I'm NOT losing my NCB over a spuriuos hiplash claim' So can they do this?
  20. I used to be a car dealer but retired a few years ago... and here's my opinion... If the car had a 'slight servo leak' advised on the MOT a year ago, then as long as the needles on the brake meter went up to the right place when the brakes were tested, then the brakes are NOT unsafe... ON THE DAY OF THE TEST.. and thats it, a snapshot of the car's condition on the day of the test. The dealer did not MOT the car, but IF the OP genuinely heard a hissing sound (we only have his word that this happened at the point of sale) then he should have investigated it or got his friendly mechanic
  21. First ever post, so please be kind... In January 2006 I was in a car accident (my fault). at the time I was in the motor trade and was insured, but the damage to the other party's car was minimal and I got it repaired for them by the professional repairshop I had used for years. They were happy with the repair... no isurance company involved, great, although I DID telephone the broker to say that I'd had an accident but wouldn't be claiming (they have no record of this, which is unsurprising as 5 1/2 years have gone by..) Anyway about a year later I got a call from a no win no fee la
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