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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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Dodgeball

Thomas Cooke Collapse

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I presume everyone is aware of the recent Insolvency and collapse of Thomas Cooke?

Unfortunately I had booked A holiday with the for next year and paid a substantial deposit.

 

My daughter and grand children thought we would have a holiday together, so we booked for ten people in the Canaries next year, I paid £2k deposit on my credit card deposit.

 

The holiday is ATOL protected. I went on their website and the claim form was not on their yet, as apparently they are not processing customer complaints until the people that are stranded are recovered. I fully understand this, and will try again on Monday. I intend to record the progress on here, any comments or suggestions very welcome.

Edited by Dodgeball
brain fart

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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How did you pay?


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Credit card, well just the deposit, total cost just under £11k paid £2k.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Sounds like you were lucky, booking it on your credit card.

 

We got the last Thomas Cook flight out of Cyprus on Friday night, everyone was very paranoid about it being cancelled.

 

We got delayed on the tarmac for an hour while a disruptive passenger got removed. I guess he is still in a Larnaca Police Cell awaiting repatriation.  I bet that'll teach him

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Open a formal claim with your credit card company. Even if they don't process it straightaway, get a reference number so that you are in the queue. If you do this by phone, then read our customer services guide first


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1 minute ago, London1971 said:

Sounds like you were lucky, booking it on your credit card.

 

We got the last Thomas Cook flight out of Cyprus on Friday night, everyone was very paranoid about it being cancelled.

 

We got delayed on the tarmac for an hour while a disruptive passenger got removed. I guess he is still in a Larnaca Police Cell awaiting repatriation.  I bet that'll teach him

Yes they are a pain in the arse aren't they , I think the Seward should just heave them out at 30000ft.

 

Yes I have the Section 75 coverage, I think, but since the ATOL cover is also available, wont I have to use that instead?


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I Would rather use the section 75 of course as you get a full refund, but I didn't know I still could.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I was  under the mistaken impression that claims for refunds would start today, but it seems this only applies to those who have paid by direct debit. For those like me who paid by credit card the start date is Monday the 7th October. When an "online form" will appear on the CAA website.

 

 

They say claims may take 60 days to process, because of complex data protection issues.

I guess its just hard luck for those planning a Christmas break.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Dodgeball,

It is frustrating we also paid £4.500 for our holiday with Thomas cook going out to Mexico on 19th Oct. we also booked Airport parking/hotel/Meals through another company. We originally paid on our cc 

Our cc company says we need to claim it back through ATOL -Thought I could do that this morning as they originally said 30th September for claim forms.so bit disappointed too we need to await another week. On the bright side I guess is that everyone in similar situation will get their money back.

 

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Ok, so today is the day I can reclaim my money back, by using the "dedicated online form".

 

One problem, where the devil is it. I haven't been able to find any online complaint form, if someone else can, I would be very grateful for a link.

 

I rang the Cooke CAA advice line and they want £6 to help.

 

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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For anyone else in a similar position.

 

I rang my new agent and they found it This is direct to the claim form.

 

 

 

https://rightpath.secure.force.com/caa/SiteClaimsCAAPortal


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DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Brief update. I have just telephoned the CAA on T: 0333 103 6700 .for an update

The line is closed as they are, " Still assisting with the repatriation of customers". The Email address at Claims@caa.co.uk doesn't work either.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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On 30/09/2019 at 11:19, otbclear said:

Dodgeball,

It is frustrating we also paid £4.500 for our holiday with Thomas cook going out to Mexico on 19th Oct. we also booked Airport parking/hotel/Meals through another company. We originally paid on our cc 

Our cc company says we need to claim it back through ATOL -Thought I could do that this morning as they originally said 30th September for claim forms.so bit disappointed too we need to await another week. On the bright side I guess is that everyone in similar situation will get their money back.

 

Hi Otbclear

 

Wondering if you have heard anything yet. They said 60 days, but I thought you would have been able to check pogress. I dont seem to be able to get through however I try.

 

Peter


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Dodgeball, not heard anything yet either, I put the claim in 7th Oct and got a reference number. They said 60 days which I’m assuming by the 6th Dec we should be settled. I did read an article somewhere that the CAA will be updating people sometime this week. 

 

 

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Hi otbcleaer

 

Just had this in response to my email

 

Hi Peter,

 

Thank you for getting in touch and for entering your details into our online refund site – I can confirm this has been received.  We are reviewing these online forms and will contact you in due course if we need further information. We will process the refund in around 60 days from the date in which you uploaded your claim to our website.

Best wishes

Lucy

 

So I guess I am looking at the second week in December. About the date we have to pay the full amount of the remainder. of our replacement booking.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Peter,

 

Glad to hear they’re looking at your claim  👍 loads of people are being paid out now..

unfortunately we’re not in that bracket yet . Only a week now to go for the 60 days to be up so fingers crossed.
 

Good luck 🤗

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I received an email  they wanted a repeat of the info they already have

 They say they will get back within 28 days, another month.

Getting a little pissed now. No reasong given for the continued delay.

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thank HB.

 

I wonder, at what point I can call this breach of contract, and start a section 75 claim?

 

I realise the size of their task, but you would think they would at least keep in touch. The contact numbers they supply are all unobtainable, emails take an age to answer, and dont tell you anything if and when they do arrive.

 

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Dodgeball, just an update -my TC case says paid 15/12/19 and closed  on the payment portal For protect claims.it takes up to  3-5 days. I don’t know yet if I’ll get my select seats payment back as I’ve noticed a few have and a few haven’t for this. 
 

 

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Great news. OTB

 

I got mine back this morning also. They put it in my bank, Which is what I asked them to do. 

 

So off to the agents this afternoon, to pay the outstanding balance on the new holiday. :)

 

God 'point about the extras, we booked the seat thing also and the lounge, best check.

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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So pleased for you 😬 Defo check you’ve been paid for the extras as some are not covered by ATOL seemingly. Enjoy your well deserved holiday 👍

 

Ours hasn’t hit the bank yet hopefully by Friday at the latest 🤔

Have a lovely Christmas Dogeball.

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Thanks Otb and to you and yours as well  🎅

 

Peter


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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