Company changed terms of payment-refusing to return engine -would insurance pay out

[QNAZ]

Hi, I sent my car engine to a company who made out they could repair my damaged engine. This was all agreed over emails and no terms and conditions were sent, until the engine was ready to be paid for. The company agreed we could pay via Credit Card how ever they now will only accept Cash or Bank Transfer. This has left us is a dispute which we are confident in winning going to small claims. This is a long processes and in the mean time we have a car without a engine. We do still have the shell of the car. Does anyone know if the motor insurance company would pay out if we put a claim in? Any help would be great.

 

Regards

[GrumpyToSayTheLeast]

Why not cash on collection? Some companies do not have the facility, or could have lost the facility to accept card payments.

I assume they will give you a full invoice even of paying cash?

 

Why do you say stolen?

 

I would be wary of saying stolen as the insurance company may consider that fraud if you say its stolen when its not actually stolen.

[BazzaS]

Hi, I sent my car engine to a company who made out they could repair my damaged engine. This was all agreed over emails and no terms and conditions were sent, until the engine was ready to be paid for. The company agreed we could pay via Credit Card how ever they now will only accept Cash or Bank Transfer. This has left us is a dispute which we are confident in winning going to small claims. This is a long processes and in the mean time we have a car without a engine. We do still have the shell of the car. Does anyone know if the motor insurance company would pay out if we put a claim in? Any help would be great.

 

Regards

 

You say your engine was stolen.

The repair company would no doubt say that:

A) This is a civil dispute over payment for the service they have provided.

B) they don't "intend to permanently deprive you" of the engine, so it isn't theft.

 

If it isn't theft, the engine hasn't been stolen, and your insurers don't have to pay out for "theft".

You are also unlikely to get a crime reference number from the police if you give them the whole story, and to give them only part of the story would be unwise.....

 

I think the site team may also wish to amend the thread title away from "stolen", as I think that is an allegation you can't support, based on what you have posted.

[QNAZ]

Why not cash on collection? Some companies do not have the facility, or could have lost the facility to accept card payments.

I assume they will give you a full invoice even of paying cash?

 

Why do you say stolen?

 

I would be wary of saying stolen as the insurance company may consider that fraud if you say its stolen when its not actually stolen.

 

We were going to pay via bank transfer at first. But when they gave us the details it was for a different company, which was proposed to strike off companies house. Thats why we wanted to pay by credit card to safe guard ourselfs.

Now they are refusing to give our engine back.

[BazzaS]

We were going to pay via bank transfer at first. But when they gave us the details it was for a different company, which was proposed to strike off companies house. Thats why we wanted to pay by credit card to safe guard ourselfs.

Now they are refusing to give our engine back.

 

Would they accept £100.01 by credit card (so you still get the S75 protection for the whole sum), and the rest by transfer?

 

I've read in the past that the CCard payment doesn't have to be over £100 (just the total sum for the goods / service), but if you pay £100.01 you won't later have to argue with anyone from the card company over that aspect ......

[unclebulgaria67]

Be very careful. This sounds like the way a rip off company who have been taking money for years, for reconditioning engines. Do some research online and if needed with trading standards where this company is based.

 

A previous company was taking on work, not always repairing engines, asking for cash when credit card payment was offered previously and when engines were repaired, it was done using parts retrieved from scrapped engines. Often engines were just kept, even when work was paid for. CCJ's were never paid. Police got involved when customers were threatened with violence and customers refused their engines back.

 

It is not an Insurance issue, but one where you are going to have to proceed with caution.

[Astronaughtwannabe]

Why not cash on collection? Some companies do not have the facility, or could have lost the facility to accept card payments.

 

I assume they will give you a full invoice even of paying cash?

 

 

 

Why do you say stolen?

 

 

 

I would be wary of saying stolen as the insurance company may consider that fraud if you say its stolen when its not actually stolen.

 

 

 

[Astronaughtwannabe]

Hi, I sent my car engine to a company who made out they could repair my damaged engine. This was all agreed over emails and no terms and conditions were sent, until the engine was ready to be paid for. The company agreed we could pay via Credit Card how ever they now will only accept Cash or Bank Transfer. This has left us is a dispute which we are confident in winning going to small claims. This is a long processes and in the mean time we have a car without a engine. We do still have the shell of the car. Does anyone know if the motor insurance company would pay out if we put a claim in? Any help would be great.

 

 

 

Regards

 

 

 

 

If they agreed acceptance of payment by credit card, they are bound by those terms. Proving it may be difficult?

[Astronaughtwannabe]

Why not cash on collection? Some companies do not have the facility, or could have lost the facility to accept card payments.

 

I assume they will give you a full invoice even of paying cash?

 

 

 

Why do you say stolen?

 

 

 

I would be wary of saying stolen as the insurance company may consider that fraud if you say its stolen when its not actually stolen.

 

 

 

 

Not that I could see that the OP mentioned the word "stolen" so I assume the original post was edited? Anywho, it's a bit of a stretch to say that citing the engine is stolen is "fraud". There's a bit more to it than that and I'll leave it at that for now.

[BazzaS]

 

 

 

 

Not that I could see that the OP mentioned the word "stolen" so I assume the original post was edited? Anywho, it's a bit of a stretch to say that citing the engine is stolen is "fraud". There's a bit more to it than that and I'll leave it at that for now.

 

The thread title had been changed to remove the word "stolen"

[Astronaughtwannabe]

We were going to pay via bank transfer at first. But when they gave us the details it was for a different company, which was proposed to strike off companies house. Thats why we wanted to pay by credit card to safe guard ourselfs.

 

Now they are refusing to give our engine back.

 

 

 

 

"Suspected" as stolen sounds reasonable, with a touch of "suspected fraud" and perhaps replacing "intention to permenantly deprive" with "assuming the rights of the owner"? Would that appease the objectors?

[Astronaughtwannabe]

The thread title had been changed to remove the word "stolen"

 

 

 

 

Thanks Bazza, I began to question the value of my reading glasses for a minute there.

[silverfox1961]

Hi, this sounds like a thread we already have going.

 

Wouldn't happen to be these would it?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?446924-Engine-First-Ltd-From-First-Choice.Co.UK&p=4744845&viewfull=1#post4744845

[unclebulgaria67]

Hi, this sounds like a thread we already have going.

 

Wouldn't happen to be these would it?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?446924-Engine-First-Ltd-From-First-Choice.Co.UK&p=4744845&viewfull=1#post4744845

 

There is a network of engine replacement/reconditioning companies that are linked in some way. This has been subject to investigations previously, with many online blogs about people experiences. It has also featured in numerous TV consumer programmes.

 

Which ever company is involved, the OP, should make enquiries. On another forum, when the company was named threats were made. It turned into a long thread, which had to be closed.

[caro]

There is a network of engine replacement/reconditioning companies that are linked in some way. This has been subject to investigations previously, with many online blogs about people experiences. It has also featured in numerous TV consumer programmes.

 

Which ever company is involved, the OP, should make enquiries. On another forum, when the company was named threats were made. It turned into a long thread, which had to be closed.

 

 

Company not named here so no problem while this is the case.