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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
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    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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Car slide no abs


onestressedwoman
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My son got a new car to replace the one that engine seized

 

However on Wednesday we had freezing fog and when he put his foot on the brake the car did nothing but slide abs never kicked in and he hit the back of a car (all on dash cam) and airbags didn't got off so...

 

He calls his insurance and they have asked does he want to claim for his car to be repaired or not.

 

Checked and his car was on a recall for abs may 2006- may 2008 his first registered on 1st of September and on speaking to Audi they want it in to check it and fault find well there is definitely a problem with air bags !

 

Question 1. what does the insurance mean about him claiming for repairs or just paying out the third party?

Question 2. Anyone know the procedure if car goes back to Audi?

 

Children !

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Can’t answer the other questions, but ABS on ice does not always work. 
ABS works by detecting one wheel is stopped (sliding) while the others are still turning. It then releses the breaking to that wheel etc. However  on ice it’s very easy for all 4 wheels to lock up. Under that circumstance the ABS thinks the car has stopped and does not come into operation. It’s possible that is what happened in this case. 
 

Was the damage significant. Airbags don’t trigger for every accident, I think it’s estimated over 20mph on impact, do you have an idea how fast he was still going?

 

Regarding insurance, they may be suggesting the ongoing costs going forward would be reduced for a thrived party claim only? I assume he is fully comp?

Edited by CraigMcK
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Yes fully comp 

 

I'd say he'd was probably 25mph when in the slide he literally turned out of a road maybe 35'  and hit the ice slid really sped the car up it was 3/4 secs till he hit the other car almost square on.

 

I'm the most panicky mother when it comes to kids driving I wouldn't let the younger ones into the big kids cars till they've been driving a year but this boy he is a driver! 

 

Front grill - slam bar  totally bent - lights misaligned and oh my the bonnet 😲

Radiator is all good so I need to check if it will reduce his next premium 

 

Although I didn't know it until yesterday his excess of £945 😲 voluntary £500

If they take it in it will beyond economical repair (mot was due in January) but if he buys it back it will then be a CAT on the car?

 

It was such a good buy £4500 2008 75,000 on the clock full service history has been really well maintained never gonna find another like it - but very juicy

 

He was devastated 

 

I don't bloody know 

 

 

 

 

Edited by onestressedwoman
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If your running a car with a large excess, for whatever reason, you might want to consider insuring your excess', which will cover your excess in the event of a claim.

They won't like the suggestion on here as its an insurance cost for a product you might not use (like GAP) but if you do need it it can save you a lot of money.

 

H

46 years at the pointy end of the motor trade. :eek:

HMCTS Approved Technical Expert and Independent Motor Trade Consultant

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Hammy

 

I had no idea insurance excess was so large... my son was 17 when he took it out and he thought it was just the £500 although a great amount these young ones really have no choice.

 

How do you insure your excess never heard of it but too late now.

 

And by the looks of things he isn't going to have a car to insure for a long while

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On 07/12/2019 at 22:40, CraigMcK said:

Can’t answer the other questions, but ABS on ice does not always work. 
ABS works by detecting one wheel is stopped (sliding) while the others are still turning. It then releses the breaking to that wheel etc. However  on ice it’s very easy for all 4 wheels to lock up. Under that circumstance the ABS thinks the car has stopped and does not come into operation. It’s possible that is what happened in this case. 

Some ABS systems work by sensing deceleration of the wheel,  meaning they would still work if all four wheels tried to lock up simultaneously.  Our car works like that, on slippy wet ice you may have no braking effect at all but the wheels do not lock up.  To be honest I thought they all worked like that, but if some work only be comparing speeds then yes they will be fooled by all sorts of conditions.

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To be honest I don't think it will help with insurance.  Although it seems unfair for something that was outside his control I think that even if the accident was due to a proven fault with the car they will still see him as at fault.

Regarding repair, write off etc, the car will only be classed as write off of any category if the insurer chooses not to repair but to pay out the value instead.  It won't apply if he repairs the car himself dealing with the repairer directly.  If the excess is that much it might be a better way.

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So he has arranged to have repairs carried out by an approved repairer (his friends dad) rather than insurance fixing it so he gets paid out for it and he can keep it 

 

I mean what's the point of being fully comp if they try to get you not to claim for your vehicle

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I will get my son to upload the video when he gets in.

No down hill slope just a small  gradient and from the turning he came out of its maybe 15 shops until the traffic lights.

Maybe it didn't get faster but he feels like it did (not clear on the video) 

I'm picking him up from work tonight I'll pay attention to the gradient when I go back.

 

He'd only changed up to 2nd so he wasn't driving fast 

 

Upside he knows now to always be prepared for ice

 

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Drove past the road yesterday it's amazing that you drive for years and you don't notice these things yes it was downhill so reason for increased speed I've  never noticed that before how bad is that me not knowing it was downhill there when I've been driving these roads for 30 years 😲

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