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    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
    • 😮  £ 3551!!!!  she  needed loan for a headstone for her daughter and      a   car as hers  has had it
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You're the one making the claim that it is garbage, I quoted what was said in the House of Lords.

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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On successful election as PM OR NOT and after illegally leaving the EU, The Tories will poison 99%  the population so they can frack to their hearts content without interference

They will keep the other 1% as slaves.

 

By your own rules, Prove its not true

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Stop trying to change the subject, you have been caught out and don't like it


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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Just now, Maharg1 said:

Stop trying to change the subject

I'm not

The subject is post utter bollocks isn't it

 

and you are still winning


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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 The whole thread is utter bollox with all your claims that the Tories will do this and Johnson will do that.

You are a typical undemocratic Lefty remoaner  who is throwing his toys out of the pram because you can't get your own way.

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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https://fullfact.org/europe/hunt-eu-army/

 

" The EU doesn’t have the legal power to act in this area unless member governments actively give their permission. "

 

" “common defence” will only come about “when the European Council, acting unanimously, so decides”. Unlike in other areas of EU decision-making, the European Commission can’t propose laws about security and defence, and any decisions in these areas must be made unanimously. "

 

" UK law also states that no such common EU defence powers can be handed from the UK to the EU without the approval of parliament and a referendum on the decision. So the government would need the support of both the public and MPs before they could make such a decision. "

 

 

Now your turn to prove what I said was false

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Prove it ?

 

As for a referendum, in your eyes they don't count for anything.

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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Follow the links

The proof is that EU and UK Law prevents it.

 

 

Now you prove what I said is wrong

Johnsone has proven he will break the law

He proven he's morally bankrupt

Fracking is an abomination pressed against local communities wishes

 

 

Now you prove what I said isn't true

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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R


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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READ THE LINK AGAIN, it is what was said in the House of Lords so it you don't believe it then ask him to prove it.

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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“There is non so blind as those who do not wish to see!”

Maherg1 it does not matter what you say on this forum

they laugh at you as being stupid and not knowing what

you are talking about, as they say the chickens will one

day come home to roost, and then they will be laughing

on the other side of their faces. He who laughs last

laughs longest, but their wont be anything to laugh at, if

we continue to be subservient to this undemocratic club.

 

A little poem to sum it up:- A Brexit Rhyme  

 Won’t you join our Common

Market? said the Spider to

the Fly,
It really is a winner and the cost is not too high,

I know De Gaulle said “Non”, but he hadn’t got a clue,
We want you in, my friends and I, for we have plans for you.

You’ll have to pay a little more than we do, just for now,
As Herr Kohl said, and I agree, we need a new milch cow.

It’s just a continental term believe me, mon ami,
Like “Vive la France” or “Mad Anglais” or even “E.E.C.”

As to the rules, don’t worry friend, there’s really but a few,
You’ll find that we ignore them – but they all apply to you!

Give and share between us, that’s what it’s all about
You do all the giving, and we all share it out.

It’s very British, is it not, to help a friend in need?
You’ve done it twice in two World Wars, a fact we must concede,

So climb aboard the Market Train, don’t sit there on the side,

Your continental cousins want to

take you for a ride.

 

  

  

  

 

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4 minutes ago, Maharg1 said:

READ THE LINK AGAIN, it is what was said in the House of Lords

 

so it you don't believe it then ask him to prove it.

 

 

Oh, if some nutter who happens to be in the house of Lords says it - so its true,

despite the laws of the EU and UK refuting it

 

err Nope

 

Johnson is PM - I don't believe a word he says,

... because he is REPEATEDLY demonstrated to be a liar.

 

I don't believe what that nutter you quote says - because its complete hogwash - as I have demonstrated

 

 

 

Your turn to prove what I said is wrong

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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There are nutters on here claiming their posts are true and non more so than a certain tobyjug.  

 

Why won't you ever answer a question and just debate, why do you always have to be so rude because someone speaks out against you ?

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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2 minutes ago, Maharg1 said:

There are nutters on here claiming their posts are true and non more so than a certain tobyjug.  

 

Why won't you ever answer a question and just debate, why do you always have to be so rude because someone speaks out against you ?

 

 

Supported evidenced posts

and not just supported by some outrageous complete and utter bollocks rant from bollocks central

err brexit central whatever you call it

 

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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7 minutes ago, buckthorn said:

“There is non so blind as those who do not wish to see!”

 

 

A little poem to sum it up:- A Brexit Rhyme  

 

 Won’t you join our Common

 

Market? said the Spider to

 

the Fly,
It really is a winner and the cost is not too high,

 

I know De Gaulle said “Non”, but he hadn’t got a clue,
We want you in, my friends and I, for we have plans for you.

 

You’ll have to pay a little more than we do, just for now,
As Herr Kohl said, and I agree, we need a new milch cow.

 

It’s just a continental term believe me, mon ami,
Like “Vive la France” or “Mad Anglais” or even “E.E.C.”

 

As to the rules, don’t worry friend, there’s really but a few,
You’ll find that we ignore them – but they all apply to you!

 

Give and share between us, that’s what it’s all about
You do all the giving, and we all share it out.

 

It’s very British, is it not, to help a friend in need?
You’ve done it twice in two World Wars, a fact we must concede,

 

So climb aboard the Market Train, don’t sit there on the side,

 

Your continental cousins want to

 

take you for a ride.

 

 

 

  

 

  

 

  

 

 

 

That poem sums up the EU perfectly


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So - going to try and prove what I said wrong (both cases)

or are you admitting defeat.

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Waiting for something other than hysterical 'kipper rants .... in response to the reams of tidy, easy to read and understand evidence posted

 

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I may not always agree with everything Tobyjugg says but they do make valid arguments and not just bad cut n paste unsupported rubbish that has no basis in fact. 
 

I have to say, an EU army maybe a good thing if NATO fails as it might just. It’s not about waging war it’s about preventing. The European project, favoured by Churchill has kept peace in Europe. It is the rise of Nationalism and little Englanders who could end that 

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Any opinion I give is from personal experience .

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We have for centuries run joint military operations with other nations and groups of nations.

Operations with the EU are no different,

and are in fact far more desirable and necessary given the undermining of NATO by Trump,

but we still work with NATO, the UN, the USA as well as the EU and many many others - including to our shame Saudi Arabia.

 

 

That rant by the kippers was  utterly ridiculous.

Still - they've got their big letters up in the thread. Best win they could get without real facts.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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1. Did the nation vote to leave the EU or not ?

2. Are Labour opposing that ?

3. Is Labour calling for another referendum ?

4. Is labour going to negotiate a new Brexit deal, (even though they don't know what the present one is), and put it to the people in a referendum

and then campaign against the deal they have just negotiated ?

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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7 minutes ago, Maharg1 said:

 

 

* Were the voters lied to in the Leave campaigns?

 

* Is Leave delivering on ANY of its statements - especially those that were supposed to have occurred before leaving?

 

* Is Brexit stated by the bank of England to have cost 880 million pounds a week

 

* Is Hard Brexit is estimated to cost one billion pounds a week in lost trade just through Dover

 

* How much  industry and finance and Investment is leaving the UK because of brexit?

 

* Should there be a confirmatory referendum on the real situation before leaving - as sold by the Leave campaign?

 

* Is Boris Johnson a lying Piers Morgan?

 

* Has Rees Mogg moved his finance company to the RoI

 

* Has John Redwood advised his investors to move out of the UK before Brexit

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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See, you have done it again, just like the anti-Semitic Labour party, you have refused to answer a single question.

 

Just typical of you.


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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Just now, Maharg1 said:

See, you have done it again, just like the anti-Semitic Labour party, you have refused to answer a single question.

 

 

I'm still quite a few answers up on you.

No more credit until you've paid off some of that debt.

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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So what do you think about Rees Mogg moving his business to the RoI

.. hardly showing confidence in his own Brexiteering is he?


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Just like Marxist Corbyn, excuse after excuse after excuse.

You just don't want to admit someone else is right.  That is the action of a coward.


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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