Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
    • The assets are allegedly linked to more than $4.5bn stolen from the Malaysian state investment fund. View the full article
    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
    • The US House Speaker said the law was a "brutal, sweeping crackdown" against Hong Kong's people. View the full article
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3969 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there,

I wondered if anyone can help me with a query I have regarding a claim I had.

 

While I was asleep in bed one night, my car was hit by a drunk driver. Simple enough, got a pay out no problem.

 

The issue I have is they valued my T reg Peugeot 306 at £1500, that's fine as well, but they only paid my £1200? Now before I bought the car a year and half earlier it had been written off (cat c) and had be fixed up and sold to me. I knew the history and didn't mind, car still had to pass an MOT and get checked to confirm it had been restored to original state so no danger.

 

My insurance company said they deducted 20% from the market value of £1500 because of this previous crash. Now they knew the cars history and there is nothing in my policy about the fact they can do this deduction. I have asked them to provide me with evidence of the terms and conditions stating this and they have replied saying they don't have any, they just review each valuation and the market trends to establish a deduction.

Now how can they just take £300 off me without any prior notification or policy wording?

 

I'm not sure that's legal? Doesn't sound right to me. They can just amend any car market value to suit their needs if that's the case?

 

Anyone offer and advise or opinion?

 

Thanks :)

Share this post


Link to post
Share on other sites

A sound case of where staff get crappy training and cannot explain the most simple of things.

 

They can do it. All they are doing (supposed to be doing) basically is looking at the vehicle and determining how much it is worth, though they do have to justify the valuation.

 

The reason why it's not in the policy is simply because it is not a term of he contract. The contract will state that they will provide the value of the vehicle in cash in such circumstances, but it will not state how such a valuation will be reached - that cannot be contracted for in practical terms.


Share this post


Link to post
Share on other sites

But hadn't they determined how much it was worth with the market value? As far as I've heard when a vehicle is repaired after an accident it has to be put back to the condition it was before hand, monetary and safety wise so in fact it's indemnified from the crash as it's should be as if it never happened. So the £1500 is right and what they should have paid out.

Share this post


Link to post
Share on other sites

They will look at the market value and then say "but it has had repairs and is therefore worth less than the market value".

 

Like I said, they have to justify it, though. It's a while since I last worked in insurance, so I may be a bit out of date. Maybe someone else can come along and advise.


Share this post


Link to post
Share on other sites

Who is actually making the payout? Wasn't it the drunk driver who caused the accident (or their insurers) who is paying, or weren't they ever identified? If you had to claim off your own comprehensive policy, did you have to pay an excess? If that's the case, then you wouldn't get the full market value anyway, as the excess would be deducted from that.

Share this post


Link to post
Share on other sites

The drunk driver couldn't go far, he wrote off his car as well!! So police took him away.

It's his insurance paying for it....which makes me even more annoyed really as it's not as if my insurance company lose anything, it's not their money.

The excess was taken off and has been paid back to me, it's the £300 for it being in a crash before that is the issue I'm asking about.

I don't understand how they can just take it when the previous crash has nothing to do with this one. The car has been restored and MOT'd and been running as normal for a year and a half and the market value was £1500. How can they choose to take more money off without informing a customer? That sounds such a con?!?

Share this post


Link to post
Share on other sites

Actually that's an interesting and quite technical point. If I have understood correctly your argument is this.

 

 

You have a vehicle worth £1500.

The vehicle is involved in an accident.

You claim on the insurance, and the insurer is due to put you back into the same position as you were before the accident.

 

 

The vehicle is involved in another accident.

The current insurer value it at £1200 because of the previous repairs undertaken.

 

 

So either:

(a) The current insurer is undervaluing the car, or

(b) The previous insurer did not return you to the condition prior to the first accident.

 

 

 

This is a tricky one as it leaves you £300 down wondering who to claim it from. I would ask for the loss adjuster's report of the condition of the vehicle, and ask them to explain explicitly what parts of that report made them decide to reduce their assessment of the value of the vehicle.

 

 

Either they can't provide justification of their valuation or they have to provide evidence you can use against your first insurer.

 

 

Anyone know of a precedent for this?

Share this post


Link to post
Share on other sites

I'm now waiting on their reply as I'm just shocked they can take money without me knowing this could happen. Maybe I'm naive but I wasn't aware of it at all :(

 

And plus they seem to be taking money twice, they agree the Glasses guide puts the car at £1750.00 (£1800.00 actually with the lower mileage....) then they reduce it to £1500.00 because of the cars condition (I also don't agree with this as the car was in a condition that matched the Glasses spec) ....then reduce it again because of the cars previous crash??

 

Anyway, we shall see what happens. Thanks for your input guys :)

Share this post


Link to post
Share on other sites

Ultimately you and the insurer need to reach an agreement on what the vehicle is worth. You are right to be shocked, because they can't do this without your permission.

 

They make you an offer (for whatever reason) and you can accept or decline the offer. If you decline it is my opinion that you should clearly state why, provide your estimation of the value and give evidence as to why you think it is worth this (glass' guide, evidence of condition, similar models on ebay/autotrader/local dealer etc).

 

Ultimately if you can't agree it will end up in court for them to decide it. However claims departments are under pressure to try it on (especially if they are a third party claims handler as they need to perform well or lose their contract), so they will always try stuff on. Don't stand for it!

Share this post


Link to post
Share on other sites

Hi all, just thought I would update on this thread in case anyone else ever has same problem.

 

I waited and waited and even sent another reminder letter through to the insurance company saying please respond or I will have to go to the ombudsman. That was back in July and I FINALLY posted off all the paperwork to the ombudsman today.

 

Then when I got home......there was a cheque on my doormat waiting for me for £300 :D So I won!!! :D Got a decent value for my car and I'm happy :)

 

Can you believe it, the day I post the stuff off to complain the cheque turns up lol :D

 

Lets hope I don't have to do this again....as my new car is an ex crash victim fixed up as well.....

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...