Jump to content


BankFodder BankFodder

  • Tweets

  • Posts

    • June Mummery, a Brexit Party MEP, has just woken up to the fact that leaving Europe gives us less control over fisheries. From her Twitter feed.   Attending the penultimate session of the #EuropeanParliament’s #FisheriesCommittee #PECHcommittee) with #BritishMEPs. The big question now is, who will be here to hold these people to account while they still control Britain’s waters, but the UK has no representation?
    • I'm afraid my response is going to be a bit more doom and gloom than my site team colleague. I'm afraid the principle of "buyer beware" is a pretty old principle and it doesn't always protect the private seller. However, I think you will have to wait and see what they come back to you about in writing. My understanding so far – as you don't even seem to know their address or who they are – is that everything has been done on the telephone. If they decide to come back at you in writing with a list of defects and am afraid we will have to look at it carefully because although you won't be particularly affected by consumer protection legislation, there are still basic rules of contract which could protect the purchaser. I'm sorry also to give a bit of a slapped wrist here, because the selling of vehicle in the circumstances without even ascertaining the identity of the purchaser and without keeping the necessary documents to inform the DVLA of the new ownership is highly irresponsible. I suppose this is going to put the frighteners on you – but you had better be aware of the possibilities. The first thing that occurs to me is that this vehicle may have been bought by a trader who was anxious not to add any more owners to the vehicle because that would reduce the value even more. Therefore you might have some fairly unscrupulous trader selling your vehicle on to another private purchaser who themselves may not properly register the vehicle so that if it attracts any parking fines or any other attention from agencies, could come back to you as you are the registered owner. You would be able to deal with this problem eventually but it would certainly be complicated. Also an extreme scenario is that the vehicle could eventually be used for unlawful purposes – and once again the registration leads back to you. I think that your daughter had better read the thread and had better take the lesson. As I have said, the use of the vehicle for some unlawful purpose is probably an extreme idea and is unlikely to happen. However, the idea that the vehicle has been bought by trader who wants to conceal the fact that it has had an additional purchaser – him/herself – is a highly possible scenario. You haven't told us anything about the vehicle – what is it, model, make, mileage, condition, price, – and also how was advertised, where was advertise, and what claims did you make for it. I do hope you don't hear anything more about this problem that you better give us all the information and if there is any fallout as a result of what your daughter is done then of course come back here and will it be very pleased to try and help you. In the meantime I would suggest that you contact DVLA and tell them that you have now parted company with the vehicle and that it is no longer yours. Even though you won't be able to give them the identity of the new owner, you better put it on record. I'm not sure if it's an offence not to have the details of the new owner and to pass them on to DVLA – but I would suggest anyway, that you tell DVLA. Before you start doing this though, standby for maybe one or two other people to contribute to this thread and to disagree with me. I think you need to have a range of opinions on this.
    • Ok , mine is  55, it's old but they were fixing these under warranty when the cars were brand new.  Aside from that the car is super reliable.
    • Can you tell us the name of the dealership please?   HB
    • Ahh ok, yup, when I sent my SAR to Natwest, they included everything going all the way back to the year 2000, Current accounts, Credit Cards everything. So be prepared for information overload.
  • Our picks


Car insurance problem - need advice

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2564 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 everyone, thank you for taking the time to read this,


i've been having problem after problem since june last year and i really need advice.


It's a bit of a long story, and I will try to get all the facts down, so please bare with me... I will start from the beginning


on June 9th 2012 i was involved in a car crash, another driver pulled out of a minor road (not giving me right of way) into my major road and,

due to there not being enough distance to stop completely, i went into the side of him.

The police were called and there were a couple witnesses.

Off record the police said it's an open shut case in my favor, wasn't my fault at all.


And here is where the problems start.


My car was a write off

my insurers said the would pay out £600 for the car and gave me a courtesy car while the money and crash were being sorted/investigated.


I got my money a week later, and the courtesy car was taken from me.


Now, i had to start getting taxis everywhere due to the fact that, even though i had got my money

(I was to receive my £400 excess 3/4 months down the line)

i wasn't in a financial place to afford a new car and insure it. so i waited for my excess to come throguh


when i got the excess i acquired a new car and got it insured with a different company paying all the costs that it entails.


After a month they called me and said they were going to cancel my insurance because i still have a claim against me..

. I was bemused by this so i got into a 3 way call with my new and previous insurers and found that my crash/claim is still "pending",

and that I cant be insured by my new insurers as its their policy...fair enough...

They then offered me a quote from a sister company at £2500 for the year.


I obviously cant afford this so i tried getting in contact with my first insurers to discuss what had happened with this claim.


It turns out my insurers had paid me the money without getting the money from the 3rd party first leaving the claim open until they recover their costs.


As a small recompense my first insurers allowed my no claims bonus, which after thanking them didn't change anything in price for my quotations,

even from themselves,

im still getting offers of £2000 and above. right, i can not afford this much, the new car i bought is only worth £500

so i have now declared it SORN as i cant get it insured for a reasonable price. And have now gone back to getting taxis.


This is what I need advice on...


surely its not right that I am being eanelised for an accident that wasn't my fault (over 8 months ago),

that I am paying for all these taxis when i shouldn't need to, mostly for work as well.


Is there anything that can be done about this?


is there anyone i can approach to get some financial recompense for all the taxis i have taken over the last 8 months?


is there anything that can be done about this "pending" claim that is a serious financial and stressful thorn in my side?

as all my insurers are doing is sending letters..


. It obviously needs a more direct approach


thank you for taking the time to finish this, any advice would be very welcome



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...