Hi, I have read with interest all the posts on here, and wish I had seen it a few days ago. I received a parking charge notice from over staying the 2 hours I had bought a ticket for in a supermarket car park. At the time I was driving a hire car, from zip car. Two questions. I went on to the paymypcn site before I found this and tried to pay the reduced amount, but my ticket number was not found and it gave me a box to enter name, phone and email address to be alerted once the ticket was loaded on to their system. I am wondering if my entering this means I have admitted to being the driver and so should not ignore. However also, is this delaying loading them, its still not loaded 5 days later, is a [problem] to get you to pay the increased amount after 14 days when they load it. Also, as its a hire car. Do paymypcn or Topher pursue via DVLA, and if they do, their letters will go to zip car and wondered what they will do. Just pass on my details to Topher, as I was the only insured driver at the time, or pay it and then charge me. Do I have any options to just ignore this as would be usual? Thanks

I wonder if anybody can please advise me. Last year my husband took out a purchase lease hire financial agreement from Volkswagon commercial vehicles for a van for work. The van was from Lo cost vans. Its the type of agreement that you pay monthly to lease and then at the end there is a balloon payment that you owe them. Anyway, the van kept breaking down and he had to miss work for numerous days at a time. After a lot of arguing with Lo cost vans, they agreed to change the van. The original van was also a bit small for my husbands work needs, so he asked them for a bigger one that wasn't much more to pay each month. They agreed and it was all set up. (My husband admits he was a bit stupid and naive but its done now) The van arrived and the payments were quite a lot higher and we have been struggling. He phoned lo cost vans and they said the best thing to do was to get a settlement fee and sell the van to pay the finance. So he got the settlement and it is £22,000!!!! The van is only worth between £13,000 and £15,000 Again he spoke to Lo cost Vans and they said they had added a shortfall from the first van and he should deal with Volkswagon commercial in future. He's spoke to Volkswagon Commercial vehicles and asked if they will reduce the payments and take it over 6 years instead of 4. They have said no, he must pay the amount asked over 4 years and if he doesn't they will repossess. If they repossess, he can't work and won't get credit again but if he pays it, he's just working to pay the finance, diesel and insurance. Is there anybody with any suggestions please.

Hi All, I was a sole trader for some years until I had to close the business, In the first year of trading I took out hire purchase on an item, I kept up with re-payments for some time and then fell behind, what makes things worse is that I left the item at a hotel I was working at, the item was never seen again, I never told the HP company this. I buried my head and tried to pay the monthly installments and then had then reduced and now I can not a pay them at all. The HP Company are now going to apply to the courts to recover the goods, which I do not have, can anyone tell me what will happen as this is seriously affecting my health with worry. Thanks in advance.

Hi, could you advise me, yesterday morning my car was clamped by Task Enforcement Bailiff between 5am and 8am. When I left my home in the morning and saw the clamp I called the number on the warning notice and advised the bailiff I would return in the afternoon from university with the money to pay pcn ( congestion charge). The bailiff however advised he wanted full amount of 856.42 ( debt was 200.44!) to which I repeated I would have 200 by the end of the day. I also advised the car is on hire purchase. When I returned home last night, the car was no longer there, to which I called the bailiff to inquire why when i had agreed to pay, to which he claims I had stated I would not. Now I have contacted my finance company, who have sent over a copy of my hire purchase agreement to Task Enforcement, and also contacted the bailiff to advise he unlawfully removed my vehicle, but am being told all checks were done and if I want my car back I must pay £856.42. Please advise if they can do this and how I can get my car back, as I have no intention of paying that ridiculous amount. Thank you, Miss D.

i got a hire car on Tuesday it was dirty and i and the man looked round the car for scratches, On the check list for it it says road dirt not 100 per cent checked. I have just washed the car and have noticed a scratch i know for sure i have not done it do you think i will get charge for it and if so any idea how much.

Hi, my Dad purchased a static caravan in October 2012. He purchased it for £37,000 with £16,000 of their own funds and the balance on a Hire Purchase agreement with Black Horse. Black Horse being the finance company that the caravan site dealt with. In January he was diagnosed with terminal cancer. He is now looking to sell the caravan as they will need the funds for more important purposes. The Black Horse agreement states that one third of the loan needs to be paid before the caravan can be sold. However, the sales chap at the caravan site who sold them the caravan originally has stated that they can sell it now. I'm not really sure on the legality of this and would appreciate any advice on what we can do to sell/redeem the caravan. Any advice will be gratefully appreciated. Thanks.

Hi. Im new here! I was just looking to see peoples views/knowledge regarding hire pur hase contracts. Ill start at the beggining of my story! I bought a car on hire purchase but the agreement was in a friends name but i was always the registered keeper from when the car left the showroom. My friend made no payments and the direct debits came from my account. I fell behind in payments as i lost my job. . which resulted in them clamping my car on private property and parking over my drive. They said theyd called the police and i had to hand over the keys. Reluctantly i had no choice and i just wanted them to go away to save the neighbours seeing. I contactes the car company and said they recovered the car from private property and they said if i paid the arrears thsy aould bring it back but i coukdnt afcord too. So far i have asked for a subject access request and paid a fee but they only sent copies of letters and ive asked for system notes telephone notes etc which they said they dont have to give me. Also i think i have paid 1/3 of the agreement if it includes the original deposit i paid? And there was defenately no court order. My questions are is the contract invalid as my friend never received the vehicle or paid anything for the contract to begin? And how can i get the rest of my sars data. And is it defenatrly a breach of contract to recover from private property? Where can i go from here ? (Long story i know but thanks for anyones time)

Hi all I am asking for help on behalf of my Auntie and Uncle They had a Mercedes on lease hire and was returned, at the end of the lease. They had the car valeted and any defects taken care of. Mercedes have now sent them an invoice for £800.00 because the last service was not carried out by one of there dealers. To me this is extortionate, is there anything that they can do, to fight this, I think it will end up in court! Thanks in advance Leakie

Hi all, I have a question that i hope someone can help me with. I booked and paid for a car from the above company, for one week over the Christmas period, to pick up on Christmas Eve. I booked and paid for this car via their website, well in advance of the holidays. Having been stung before by another company, i checked Arnold Clark website looking for the amount of deposit required. It clearly states on the FAQ page, that a deposit is not normally required, however check at time of booking. Now being completely paranoid these days, i checked by phoning the company and asked if a deposit was required, the answer i was given was a definite "NO" I still wasn't sure though, as it is strange that most other companies require a deposit, so i checked the website again and trawled every page, nothing. I phoned the company again a few days later to double, double check and was given the same reply "NO" On the day of hire, i phoned the branch from where i was due to pick the car up from and was put through to a central switchboard, who also couldn't get through to the branch but they would get them to phone me back, still waiting!!! While on the phone i asked again from customer services if a deposit was required, the answer again was"NO". I went to pick the car up and on entering the reception, i was met with a sign that from "30/10/12 a £200 deposit was required" I assumed that didn't mean if you had already prebooked. I presented all the documentation that they had requested and was then asked for a £200 deposit. When i explained that no mention of a deposit was made, either verbally or via the website, i was told that it states on the website FAQ page that a deposit is required. I pointed out that it doesn't say that at all and refused to pay a deposit, they refused then to hire the car to me and refunded my money. My question is, are they in breach of contract and do i have a right to sue them in the small claims court? I had taken what i deem necessary action to ensure the validity of the hire agreement. When i got home i phoned the customer service department to complain and was told that it was now company policy to take a deposit, although, no where on the site or elsewhere does it say about that. Needless to say, my refund will not go into my bank until after christmas, so i couldn't go elsewhere and get something arranged. Christmas has been ruined, i was unable to go over to my son's and spend the holiday with his family and my grand daughter's first Christmas, as was arranged. Someone please tell me that i have a good case or even some advice. Cheers. cuzznx

Hi there I'm wondering if someone can help me. I've got a claim going for my car insurance its a write off but I haven't had a settlement figure and the hire car is due back this Wednesday. I live in a village and need a car to get around, I haven't got use of another vehicle. Will I be liable for the charges of the hire car after my 14 days? Thanks please help me my time is running out

Hello all I bought a Mondeo TDCi 2006 plate on 11 October this year with 77k, was also sold to me with 12 mths MOT and a full service history last done 2Oct. Spent £4300 on vehicle (£300 of this was cash/px deposit) It is on a Hire Purchase agreement over 3 years. Had car 2 days when noticed the fuel range after filling car was really low - at this point I called the seller who advised to "read an online forum" - great help. Called the Finance company a few days later to lodge this initial complaint with them, as the car was very noisy, and I was unhappy with it. They advised I must give the dealer a chance to resolve. Called Dealer back, spoke to same guy as before, also advising him I was now experiencing black smoke from the exhaust, under acceleration, in every gear. This helpful chap then just told me to put some redex in. Emailed him my dis-satisfaction with the reply, got response from his manager at this stage, who advised me to go to his mechanic, who advised it was an EGR Valve, inlet and manifold that gets covered in soot (crap) and is almost an engine rebuild. Was basically of the opinion these cars are utter crap and I should get rid of it. At this stage I have turned this into a formal complaint - because of the following issues Black smoke, in every gear, under acceleration. Present since the 13/14th, and its not going away Noisy, Like a 30 year old tractor, and even noisier under acceleration. I have had older, much higher mileage diesels quieter than this. Despite numerous requests, the service history the car was sold with has not appeared - so it therefore doesn't exist. The car was, to my horror after I had bought it and was trying to find some fuel range figures for the car the night after, for sale from another garage for 2895. My exact car - because I took screenshots of it. Clearly there was an issue with the vehicle to be on sale so cheap. The dealer also misled me in saying he bought the car from a trade auction. I spoke to trading standards on Friday - who advised I can reject the letter and I basically did so using their template letter, stating the points above as the reasons. It appears the finance company are "rejecting" my rejection - as the reasons are not sufficient enough. I must apparently prove that its not of a satisfactory quality. My argument with the finance company is that in them stating this - they are basically saying that a 6 year old, average mileage, well serviced (or not as may be) diesel is normally of such a poor quality. Black smoke from an exhaust is normal. A tractor engine sound is normal. Possibly my biggest refusal is the lack of a service history - it is not as was advertised to me. I said I refuse to pay for such a vehicle. What I want to know now is - do I just stick to my guns, and issue court proceedings to recoup all monies spent so far since purchasing vehicle (£300 deposit, £93 road tax, £31.50 admin charges moving insurance around, £22.73 to keep mondeo insured until 5 November) I have purchased a second hand Audi for cash on Saturday and advised them I am no longer driving the vehicle - that they must refund me and collect it asap or I will stop insuring the car and take no responsibility for it. Given the mechanics assessment, and the utter lack of trust in the dealer providing anything close to a suitable quality replacement - the only real choice I have is to reject it. Does anyone have some further advice, letters I can send, should I initiate court proceedings to return me to the position I was in before the transaction? Thanks in advance

Unfortunatley I have fallen victim to what appears as a very reputable company on the outside.I was in a car accident some weeks ago, the person who caused the crash admitted liability. As I use my car for work purposes their insurance company Admiral confirmed they would supply me with a replacement car. This is when Accident Exchange got involved as Admiral instructed them.The car arrived very late and the delivery chap was in a panick (rushing) as he needed to get the train and go to collect his next car. I was asked to check the car and fuel. I questioned what was being signed about the insurance, what does it cover, can I drive it from variuos work places. The chap replied - You are covered for everything, dont worry, there is no excess either. I signed the docs as him being late caused me now to rush about for work. I asked about excess he said there isnt any.The worse of this being the car was stolen from my home place a few days later, I didnt even know it had gone till the police arrived to say they found the car on fire. First time ever this has happened to me. Which does make me wonder why I was targeted, my other car is high performance wasnt touched! Weird..... Accident Exchange then stated they would not get me another car unless I insured it, they had no interest in me at all. Basically just kept fobbing me off. I then asked what happens about the insurance, constant chasing, I had personal belongings in that car. They have now stated I am not covered for personal items, saying that i was shown an insurance form, which is a complete lie. And the latest is that they are looking billing £2500 excess for their car being stolen!! The MD emailed to say how much this has cost them and how they are out of pocket, they wouldnt be in business if they had losses, even the CEO said he will come back to me. Nothing at all.Ive now put in a county court claim for my items as its not right they can lie and treat people like this. Its disgusting. Bullying tactics are now being used about this claim against them.If your reading this, do not use this company. I will be writting to all their clients as this is not a reputable company, all they care about is the £££ note. Anyone with futher advice, suggestions or even if you have had troubles with this company will really help.

Hi all, I have a bit of a dilemma and I am hopeful that one of you may be able to give me some advice. To give you a very brief background, I have (and had) a lot of personal debt that pretty much all ages back to 2006 when a significant personal event changed my circumstances dramatically and led to a previously perfect credit slate being annihilated to the tune of around £40k, plus a house repossession and this situation with car finance. Since then, I have worked on and off and never got a grip of my finances to the extent that much of the debt has simply dropped off my credit file having passed 6 years, with me burying my head in the sand on the basis that nothing I could do would change anything in reality. There has been no contact with anyone put bluntly, hence many things have now gone from my credit file and become statute barred. One significant remaining debt however, is that of a car Hire Purchase agreement I took out with Blackhorse finance. The last payment was made in early 2006, however unlike all of my other debts, for some reason Blackhorse (according to my credit file) don't appear to have defaulted me for a period of 2 1/2 years subsequent to this last payment, with my file instead showing a long list of monthly "Q" query entries. After my problems the vehicle was never used for a long period, with it being left at the home of a close family member as I left my life behind lock, stock and barrel and moved away. I spoke with Blackhorse on the telephone around this time (2006) and agreed to hand the vehicle back, however they never made good on this arrangement, with no further contact with me or the family member, who's details I had naturally passed on in order to arrange the hand over. After a period of years my family contacted Blackhorse directly, explaining that they just wanted 'rid' of this vehicle from their premises, and asked why this hadn't happened, and that they would like to arrange for it to happen ASAP...or if this wasn't possible, would Blackhorse give them permission to sell the vehicle. The Blackhorse representative was unwilling to speak in specific terms as the person calling as not the account holder, however implied strongly that the value of the vehicle would now be such that a repossession wouldn't be of benefit to them, and that if the vehicle was sold to someone else they "wouldn't come looking for it". The vehicle has subsequently been sold by a member of my family for a nominal amount, to a known person on a full and frank basis with the offer of a full refund (we are talking less that £1000 here) should any issue arise. Now...my issue is solely around the finance aspect. My questions are; 1. Is this debt subject to the usual 'statute barred' rules of any other debt, or is possession of the vehicle in someway replacement of "written confirmation or acknowledgement of the debt" etc, i.e, does the date of last payment and last direct contact stand, or does continued possession of the vehicle extend this 2. If the debt is subject to the same 'rules' as any other in terms of statute barring, then can anyone explain why they have allocated this "query" position for 2 years (minimum) after my last payment or acknowledgement, and is this something they are allowed to do...essentially extending the period that the debt hangs around my neck? Any advice or direction to other sources would be most appreciated.

Approx 5 weeks ago i hired a small van for 7 days from a nationwide rental company, when i went to collect the van they gave me a large van however i only needed a small one and asked if i could have a small one as requested. They had a small one however it hadnt been cleaned inside or out, i said this wasnt a problem and i didnt mind. The person booking the van out, asked me to sign his PDA and said he made a note that it hadnt been cleaned and gave me the keys and i drove off - the vehicle wasnt examined in my presence (they normally walk around with you noting any scratches/damage but this didnt happen) On return, the van was inspected by the person who booked it out and a couple of small dents were found on the sill. Because they were very small dents and the vehicle being dirty i hadnt even noticed them - however when the area was wiped clean you could see them. I am pritty positive they wernt caused by me and i have no idea how the sill could get dented. The supervisor said as i had signed for the van i was responsible for the damage, he then said he'd get a quote for the damage that week by an independent garage and call me back and they held my £250 deposit. I told them i disputed the damage and it should be a 50 50 split on the repair as the van wasnt inspected in my presence which is their negligence, and i signed for the van without inspecting it which was my negligence - however he said as i had signed for it then it was my responsibility. He never called me back at the end of that week, so i called him - the quote hadnt come back but he'd have it the following week and let me know. I waited a week & he hadnt called so i called him and again they hadnt had a response for the quote, again he'd call me back to which he never. I then waited a further 2 weeks and called him yesterday to find out the damage has been repaired and cost £300. I asked him to email me photos of the damage, and a receipt for the repair and an invoice to charge me the £300 - however 48 hours later he hasnt. Where do i stand on this? They also carry out body repairs - where do i stand if they have repaired it themselves? I'm sure it would have cost half the amount at a small bodywork repair garage. How would i stand if i took them to a small claims court for them to pay half the repair cost? I'm thinking of requesting in writing: all damage reports / repairs for the vehicle photos of the damage i apparently caused (i should have took a photo but didnt have my camera phone with me at the time) 3 independant quotes for the damage (i think they only got 1) including all email correspondence regarding the damage receipt for the repair work invoice to me for £300

Recently on 26th September 2012 we purchased a vehicle on HP and duly signed the finance agreement known as a Conditional Sale Agreement regulated by Consumer Credit Act 1974. Within less than 24 hours the vehicle developed a serious fault and was malfunctioning. The dealer collected the vehicle and then handed it over to a franchise dealer as they were unable to rectify the fault. The franchise company is in the same situation and cannot rectify the fault either. According to the HP document we have a “Right of Withdrawal” which states the following; You have a right to withdraw from the agreement without giving reason. T his right is available to you for 14 days from the day after the agreement is executed by us, until 14 days later. If you wish to withdraw your right from the agreement you must notify us orally by telephone, or in writing to xxxxby email to xxxxx or by fax. If you exercise the right to withdraw you are withdrawing from the credit only and not purchase of goods. You are then required to repay the total amount of credit and the accrued interest. Interest will accrue from the date the amount of credit was provided until the date the amount of credit is repaid. You must repay the amount owed without delay and no late than30 days after giving notice of withdrawal. The amount of interest will accrue at a daily rate of £1.09. To repay the amount of credit and interest due please contact us at the address above. As it appears there will be some difficulty in resolving the issue with the vehicle and it could take days, weeks or even months and then the problem may re-appear in several months time, where does that leave us? We have advised the HP company and the dealer in writing that we are exercising our right to withdrawal and are rejecting the vehicle, but not sure if it is the right thing to do. We have not had use of the vehicle for a week which is still at the main dealer. Where do we stand with getting back our deposit and other incidentals totally just under £3600? Is there anything we should be doing?

Hi this is my 1st post so please bear with me. I had a bad car accident a month ago with a foreign driver. My car has been written off and my insurance company have sent me the cheque. I thought as there was still money outstanding to Fortis lease that the car was on HP however the insurance co say there is no finance outstanding relating to the vehicle as they have checked. Recently received a statement from Fortis lease and it does say loan agreement etc and i cant find any paperwork that states it is HP. Sorry if im waffling. Fortis lease are expecting me to pay them everything that the insurance company have paid out. However I really do need to have a car. Can i keep the cheques, buy a car and make payments to reduce the loan? I dont want them threatening to take me to court etc. Im still very shook up from the accident and my nerves are in tatters. Does anyone have any experience of dealing with Fortis Lease at all. Thanks.

Hi If a CCJ is granted on a Hire Purchase Agreement then does the CCJ then be passed as part of the assignment over to the purchaser? Also does the purchaser of the debt then become the legal owner of the car until the debt is paid? Thanks

I have vehicle on long-term (3 year) hire from my part-time employer. It is used exclusively by myself for personal use. I have no other vehicles. My Council (Oxfordshire) will not grant me a parking permit, since I am not the registered keeper (the leasing company is), and they only grant permits in these situations if the vehicle is provided by a full-time employer. Of course this is ridiculous! It's my car, for my own exclusive personal use, and it should make no difference at all to them how I come to have it available to me. So anyway, here is my question: is there any way I can be the registered keeper? I have enquired with the leasing company and they insist they have to be the registered keeper, even though this is different to being the registered owner. What else can I do?

Hi many thanks for reading my thread and any advise would be greatly appreciated :- I purchased a brand new van in 2007 from Network / Leaseplan, The contract states it's a 'Hire Agreement regulted by the consumer credit act 1974' under payments it says, Timing of rental payments one advance payment of £1057.50, 47 monthly rentals of £351.90 followed by final rental of £6247.48. I have never received any term of conditions and only have the agreement papers. I have other paper work saying - Schule AA Finance Gap Terms of finance 48 months, amount financed £17909.28, vehicle purchase price £19054.91. Having paid the initial £1057.50 and making 37 payments 0f £351.90 up to and including 13/08/2010. I was then hit by the down turn in the ecomony and been late with the payments in July 2010 & Aug. 2010 and not been able to pay Sept 2010 two burly agressive men appeared on made doorstep with a vechile collection reciept (Not A Court Order) and took the vechile. A couple of months later we moved address and I thought that was the last I would hear. Fast forward to April / May 2012, A High court enforement officer appeared on my doorstep saying They was a judgement against me and I owed £4922.94 to Leaseplan. I now started to do a my homework and question the original actions. I have a CCJ against me for £3700.00 from Leaseplan. I sent a N244 to my local county court to 'Stay the High Court Writ' and have the 'Judgement Set Aside' and have the case transferred from Northampton I recieved a court letter today stating the writ of fi fa stayed pending an hearing. The hearing to be THIS Friday 6th Sept. If some one could help me with the following questions please:- * I was never issued witha court order for the van been reposessed * Am I protected under the Supply of Good(Impied Terms) Act 1973 having paid more than a 3rd * Are Leaseplan allowed to transfer the CCJ for High Court Enforcement if protected by the Consumer Credit Act. * I have repeatedly written and requested T&C's still not recieved any. * I was never issued with a sale figure of the van, which I have also repeatedly ask for. * No finance interest rates are on the agreement. Finally what worries me more then anything is the contract Stating 'Hire Agreement (Not hire Purchase) regulated by the consumer credit act 1974, does this effect my rights. Apologises for the long initial statment, many thanks

Large UK Company. Hired car for 9 days. Mrs AO 100% certain that car was filled up before dropping car off at location, which was less than 200mtrs from garage. Unfortunately drop-off place closed so unable to obtain Check-In signatures. Hire car company now says that car required XYZ amount of fuel to fill the car up. Unfortunately for us, Mrs AO no longer has the receipts for filling the car up. So far.. 1) We have emailed them, asking what the charge was on the bank card. We were not informed/nor invoiced for the charge. 2) They replied saying it was for fuel 3) We replied disputing the charge, informing them that the car was full. 4) They replied, saying send a copy of the fuel receipt and we shall cancel the charge. 5) We sent back saying we had disputed the charge, and would seek advice for a chargeback if they cannot prove the car required XYZ amount of fuel. We dont know if we would be able to obtain copies of the receipt now? Is that possible?

Hi, I am new to this forum, I purchased a car from Renault in October 2010 on a 2 year contract hire. At the time I was 8 months pregnant and travelled to Chester in order to complete all of the paperwork. After being there all day and the Renault sales team having made a few mistakes, the car agreement was never signed. They then delivered the car to me whilst I was at hospital and the agreement was signed at the hospital. I have since been told that a Renault agreement signed off Renault premises is not valid. Could anyone shed some light on this, as I am due to give it back In October and if there is anything I can do, any information would be greatly appreciated. Thanks

Hey guys, I am a new user to this forum and I hope someone can help me or point me in the right direction. I purchased a car on a Hire Purchase loan agreement in 2009 for a total price of £8500 for 24months, i paid £4000 deposit. I kept up with my regular payments until September 2011, until which I was made redundant from work. I contacted the finance company (carlysle finance) and told them of my situation. They decided to make a repayment plan for me and in which i kept up with my payments until January 2012, where i found myself in real financial difficulty, I couldn't pay any more money. I received numerous letters and warnings and in late may they took out a court order and a hearing date for 6th July 2012. I also received a claim form, from the court in which i completed stating my circumstances and my offer of repayment every week and sent back to the court. The total balance i owed the finance company was £1500. I decided to borrow some money off my friends and family and I have now paid £1350, I now have a balance of £150 to pay which I will be paying before the hearing date. My question is if i pay off the total balance remaining and they decide to cancel the hearing, would I still have to or liable to pay court costs?. I am on a low income at the moment and not able to work due to circumstances. Any help or advise would be appreciated. Thanks in advance

I book on line with Rentals.co.uk a car. This was through Atlas Choice. They send me 72 hours later a voucher and I could pick up the car at Green Motion at Gatwick. I also took an extra insurance with White Horse Insurance Reimbursement up to 2000 pound. In the contract with Atlas Choice I was insured for car theft and CDW. I asked if I was insured and Green Motion said yes. This was the 26th of May. Hired an automatic as coming from the continent and having to drive on the left side and using my left hand to change gears would distract my attention to the traffic and road signs. I drove onto the M23 and later onto the M25. I didn't drive faster then 60 miles an hour as I notice that the car was pulling towards the left. Also there was a ticking noise in the left back wheel. This stopped when I got off the motorway and onto the country road in Surrey. Near Woking there was a very dark long tunnel under a railway. I stopped as a car was coming through the tunnel. On the left side in the tunnel was a railing on a pedestrian pavement. I pulled up from a bright sunny day into the dark tunnel and my left front tire hit the curb outside the railing. Suddenly the car toppled over very slowly and fell on its right side. Some one behind me stopped and got me out of the car. Phoned the police and I waited. Had no injuries, my glasses were still on my nose, my Tom Tom was not damaged and the airbag didn't deploy. The police took my statement as there were no witnesses and took photo's. He phoned the hire company and the recovery company. The recovery car damaged my hired car more as the car was flipped over and fell against the railing. Causing a dent in the passengers door. On the right side the small front window broke because the mirror was there. None of the other windows broke. And there were scratches along the right hand-side. On the 27th of May, I returned to Gatwick and to Green Motion to fill out the accident form. They took off my credit card £750 which was my own risk. Returning home, I discovered that they took of an other £ 3909 off my credit account. (total was 5986 Euros) Suddenly I am not insured because reckless driving... Or the damage was not included in the CDW. (Green Motion) but I hired it through Atlas Choice. Or CDW didn't count because there was no other car involved. They change their story all the time. As I hired through Atlas Choice and not through Green Motion, I guess that I have to keep them responsible! I did fill in the AXA forms for my reimbursement insurance. Is this legal! Taking the money off my credit card while I paid for my own risk? Surely I am not responsible for the total repair bill! What can I do!

On this occassion I am looking for a recommendation for a car hire company from Glasgow airport that does not require a credit card. i havent used a credit card for 5 years (and havent needed one) only debit/electron cards. The major suppliers seem to need a credit card to hold a deposit. Do you know of anyone that hires without one please.

So, short story.. I hired a van from Euro Hire Drive. Did all the paper work stuff then went out to inspect the van. Noted a lot of stuff which the guy' seemed' to write down. When I went back with it the guy walked straight to a score & said 'thats new'. It was not. I had told him about it (could't miss it) and he had wrote something down. He now says that he noted damage to the roof. How the hell he could see the roof is beyond me. I argued the case, they said its to get further inspection & they'll check previous 'check in' reports to see if it had been noticed.. I am suspicious because we walked round the van & straight to it. He didn't even look at any other panels. They need to get back to me within 48hrs apparently. I said if they did I'd see them in court. Still waiting on a call back, but here's the tricky bit. They have my signature to say I had inspected the van and accepted the recorded damage. I know 100% it was there when I collected the van & have a witness (my dad). I also have other witnesses who were with me all day & can vouch for the fact that nothing happened to it on the day. Where do I stand?