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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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chubbas dad

chubbas dad v reliance & fester

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hi jen, keep missing you lol.im good thanx. still trawling through some stuff,i hope i will be sorted soon then i can post what im doing at the hearing on the 5th nov.and maybe get some more ideas from the rok steady crew.its all gone a bit quiet on here.hope everyone is ok and happy.:)

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at last!!! i get back on the site.i bin havin a few problems getting on here for a week.:lol: but............ ladies and gentlemen................the chub is in dah house.5 november is comming up soon im getting realy excited.i have been looking into the possibility of trying a hardship case.starting back at the time of my divorce, and repossesion, when i asked the bank for help and was refused.still trying to find some old papers that may help.i will keep you posted on my progress.i might need some advice on this from a mod.(if any of you are looking in );-)

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hiya hun, first cagger i've heard from all week!! Its scary its sooo quiet!! Dont know if anyone else has had logging in probs??

xx

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I am still here! just had a busy week trying to help crfx and then a busy weekend at home. I think lots of people are in the bear garden - so shout loudly if you need help

 

jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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:rolleyes: ha, you all bin hiding in the garden..............me thinks im poppin over there wif me lawn mower.and a pair of shears.i know halloween is nearly here,but this is to scary!!!!!!!!!!!!!i wont be on till friday now, keep workin at it folks ,one of us will win through soon (hope its me haha):-D

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i will try and attened, said party at the place of tranquility.:)

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hi chubbas dad

No news to report so chillin out in the garden .............

 

We support A&L freedom fighters

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Hi there Chubs:)

Hope you are ok, I've had probs logging on as well, could read everything but not post. Not long now for your case, just want to say Good luck in case I have any more probs. with the site.

Mine is on 29 Nov so I'll probably be desperate for some advice soon. Are you taking any paperwork with you?

Kp x:confused:

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hi all,

 

 

kp,bigmark.nice to see you are still around.

 

thanx for the luck,i know i need it.im basically taking everything a full on court bundle (looking at nearly 600 pages)i will have it all at hand,and a set of notes to look at just incase i get tongue tied at any stage.1 large packet of extra strong mints to suk as i have quit the nicotine, and this is such a stress i need something to keep me calm.:rolleyes:

 

 

anyway have a nice weekend, im going farming with the father-in-law speak soon :D

 

 

a & l freedom fighters (still here, still fighting,still free,)

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:oops: morning all,well its nearly here.im starting to feel the nerves now.i am so desperate.i want a win,having this stay lifted will just make my year.(and the kids xmaz)i have booked friday and monday off work i hope that will give me a long relaxing weekend.i am having molly christened on sunday and thats all that is happening for me untill monday afternoon.ill post up as best i can about the court.(wonder if the court will allow a dictaphone)i dont want to miss or missunderstand anything that is said.well speak soon

 

 

 

good luck all :)

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Good Luck on Monday, I'll be thinking of you and waiting for your news! Make sure you put a ROCKET up A&L's case.

Regards

Scoobz

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thanx much scoobz,:) i have been saving a cathrine wheel for just such an occasion.my nerves are shot, i cant think how im gonna get through this without tripping over my tongue.i have written questions and statements to use.i just hope the beak dosnt rush me and i fudge it.i have a feeling its gonna be a long , long weekend 8)

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Hi there;)

Just to say good luck as well for Monday, I'll be biting my nails for you. Lots of positive thinking, I'm sure you'll be fine.

Take care and have a good weekend.

kp x:)

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Yes best of luck - give em hell

 

Jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Goooooooooood luck for Monday Chubbas

 

We support the A&L freedom fighters

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good morning all:) ,thanx again for the luck and support.im sweating right now and i dont even have to be at the court till 2.:rolleyes: i had a great day yesterday getting molly christened and i hope today will be just as good for me.ill be on most of the morning (asking silly questions no doubt)and i will keep you posted on my progress.anyone think a call to oilys this morning may bare fruit? i phoned the bank on saturday they had no idea that they were in court with me today.so i hope they cant arrange anyone to attened at this late stage.maybe if they dont judgey will stand in my favour (fingers crossed)right must get a relaxing radox bath now.

 

be bak soon

 

chubbs :p

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:) just had a conversation with oilys,very funny it was 2.sounded like panik stations as she dropped the phone on the desk "quik have we got the details of this one its two oclok today" then it was "can i phone you back" i agreed and sat waiting patienly playing on rs.phone rings and its them."yes mr chubbs we will be attending court at two in xxxxxx,well we wont, but an agent will" ha, i am now having fun.(was praying they wouldnt be there, but hey lets go party with the judge.)only hope now is i get an offer at the steps, or judgy lifts the stay,(wishing bank fodder or one of the others was with me) oh well its gotta be another of those "100 things to before i go on a diet" :)

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:p any agents turning up please take note!!! 3100455007

 

 

i will only accept paper money.........................:-D

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i would like to be walking home like this .............1970133529

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by the look of it reading other threads i should just give up and accept the stay untill january.omg i am getting confused go ahead or give in?:-?

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