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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Advice on my minor knock


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Back in June I had a very low speed bump (5mph max) with a car in front of me. The total damage was just a small amount of plastic shaved off the bumper.

 

I gave them my details, but didn't have any paper to take their details (and they wouldn't let me have any), and offered to settle without going through the insurers as the damage was so slight. The other party agreed, and then we went our seperate ways.

 

In July, four weeks after the accident, my insurer contacted me to ask if I had an accident. I told them I had, and said that I had offered to settle personnally as the damage was so slight (I still can't beleive that they wanted a new bumber, but I hit them, my bad) and it would be cheaper to settle between ourselves. My insurer said they would handle the details as they had been contacted by the other insurer, but the information I had supplied was very helpful.

 

I have been in contact with my insurer about a month ago because I have heard nothing else, and I am starting to worry that the other party may be trying to exagerate the damage, but they gave me the same line, that they would ensure that the claim is reasonable, and I can refund them the money so I can keep my no claims bonus.

 

I have never received anything in writing, or had any communication from my insurer other than the initial call to ask if I had been in an accident (and I use the term accident loosely).

 

Should I be worried, as nobody is really giving me any information, or does it mean that the other party is probably going to drop the claim? Six months seems an auwfully long time for what is in escence a scratch on a bumper.

If money is the route of all evil, I must be a Saint

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6 months is an awfully long time, however as it was such a minor knock, the third party just probably hasn't got round to booking their car in for repair yet.

 

To put it into context, I had a fairly bad accident in February, I caused £9.5k worth of dmg to my car, wrote off 2 other cars & caused 2 (minor) injury claims. I was going on holiday the following week, when I got back from holiday my car had been repaired & since collecting it, I have heard nothing more from my insurer, nor do I expect to. Although by now, they will have paid out for the 2 cars I wrote off, & also the injury claims - this is what insurance is for, insurers do it all for you!

 

If I were you, I would ring your insurers & ask them to get in contact with the third party insurers to ask them whether their insured still intends on claiming (for all you know, they may have sold the vehicle or anything in that time period). If they are still claiming, ask them whether they have had an estimate yet - they should have either a) had one of their nominated approved repairers assess the car or b) received an estimate from their insured for the repair. At least you will then know the costs involved, although i do fear they may well replace the bumper, as is so often the case with these sorts of claims. You are probably looking at a few hundred pounds at least.

 

You might also find that the repair has been carried out & the claim done & dusted. Just give them a ring, they will be able to give you all the info you need. :p

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