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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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9 minutes ago, cjcregg said:

 As a nation we're going to first have to decided whether that is acceptable or not and that alone will be difficult enough to resolve. And that's just one product.

 

Not anymore now that the right have manipulated voters into voting for a conservative dictatorship.

 

All of what you've said is just another worrying aspect of what the future holds 

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2 hours ago, Maharg1 said:

If an Aspirin cost a penny from the US and two pennies from the EU only a fool would buy the EU tablet.

 

and if and Aspirin cost a penny from the EU and two pennies from the US ...

 

 

So @Maharg1

 

tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy ...

 

If you would rather insist its 'taking back control' - justify that in relation to WTO rules, USA rules, etc etc and and specifically define the trade deals of course

But still define some real world benefit in your pocket benefit ..

 

 

Its been costed by the bank of England that Brexit has cost 880M a week to the economy so far for starters, far more than the total 'cost' of EU membership over the period, let alone actual cost of market access.

 

 

Perhaps also tell us ANY great deals you Brexiters have which are better than or even equivalent to the great world wide EU deals we have while you are at it.

We know about the sub standard bananas which could be labelled as 'premium' after exit, and some fish (err importing fish - what happened to UK fishermen?)

What else - something significant ...

 

 

Go for it .......

 


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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"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 


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

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4 hours ago, Maharg1 said:

Which is what I said.  If the EU plonks 50% tarif on the Uk, we do the same to them so they have more to lose than we do.

But surely it’s relative. There are far more people in the EU so trade per head is different


Any opinion I give is from personal experience .

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2 minutes ago, Maharg1 said:

"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 

 

But can you answer the question, Marharg?


Illegitimi non carborundum

 

 

 

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"But can you answer the question, Marharg?"

 

No just as nobody can.  as it says in  tobyjugg2 signature

Quote OPINIONS unquote

 

Every single so called prediction is just guesswork and like the rest of us you will have to wait and see.

 

 

Edited by Maharg1

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

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I am so looking forward to the riches of freedom. :)


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

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2 minutes ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

So name some then

 

as already asked

 

 

don't like the bank of Englands figures ...

https://www.scmp.com/news/world/europe/article/2152153/money-uk-has-lost-brexit-vote-exceeds-eu-budget-payments-study

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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Maharg, perhaps you could help us to understand which type of Brexit Boris Johnson is going for please?


Illegitimi non carborundum

 

 

 

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What a silly question - he hasn't announced anything to the press or his party so how the hell am I supposed to know.


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

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So are you saying that you voted Tory [assuming you did] without knowing what kind of Brexit there would be?


Illegitimi non carborundum

 

 

 

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There is only one kind of Brexit and that is out.

 

I knew all I needed, that we would be free to make our own laws and not have some foreigner overriding what

our courts say.

I knew that we would be free to make all the trading contracts we wanted and not be told who we could trade

with by Germany.

 

 

Edited by Maharg1

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

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31 minutes ago, Maharg1 said:

we would be free to make our own laws and not have some foreigner overriding whatour courts say.

 

But isn't that what American born Alexander Boris de Pfeffel Johnson is planning to do - override the courts and make his executive above the law?

 

 

33 minutes ago, Maharg1 said:

 

I knew that we would be free to make all the trading contracts we wanted

 

 

So hows that going then?

Name some...


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 he should, An Elected Government runs this country not some biased judge

Edited by Maharg1

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

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So you believe that a temporary PM should be above and beyond the laws of the land?

Have you any knowledge of henry 8th - you know - the dictatorial laws they want to impose?

 

and Still waiting for you to define some of these deals you mention as a driving force..


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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No, an ELECTED pm, elected by the country.

 

I didn't know Henry the 8th, I'm not that old

Edited by Maharg1

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

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but if that PM is not bound by laws, they just change them at will

 

Look up Henry 8th

 

 


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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and Still waiting for you to define some of these deals you mention as a driving force..


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 don't answer to you, your posts show that you already know everything, or think you do.

Edited by Maharg1

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

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So if anything I say is false,  challenge it with simple facts

as i do yours

 

.. if you have any that is ...

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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I don't want to challenge what you say, i don't care what you say.

All I will say is Brexit here we come now all you remoaners can get on with your life.

 

No, they are a secret between me and Boris

Edited by Maharg1

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

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@Maharg1

So you think Johnson (or Corbyn if he had been elected) should do what they want without any interference with the courts and UK law - effectively absolute dictators.

 

Have no real definition of why you support Brexit other than some long proven false right wing soundbites,

 

and think brexit is great for international trade deals despite not knowing of or about any (another dis-proven right wing soundbite)

 

?

 

So nothing but wind and 'second hand' water really?

 

 

 

 

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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Yea, whatever.  Throwing insults won't get you anywhere,


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

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3 hours ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

so name some real ones then

 

A real easy start should be those trade deals you recently mentioned as being a driver

 


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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