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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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:lol: omg 501 now lmao :confused: still no cash ............ no bike................... no fun...................:grin:

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:rolleyes: i want to ride my bycicle.........i want to ride my bike...............

 

 

 

pay up a & l i wanna get out there this summer,mr wraggee tell um chubbs is hungry for tarmac. :lol:

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:confused: how do you lot...........sorry aint bin about for a while.well 3 monyhs realy :eek: so what have i bin missing ?? who has bin missing me ??? are we getting anything done ? or are we all just milling about on here ??:cool:

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hiya hun, i've missed ya!!!! Nothing to report as far as i know but i've been a bit awol too :( not had a look around in a bit .... jenny x

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hi jen............missed u 2!! i have had a little look about and nuffin much is doing. god i want my pennies . i still have no bike so im still down in the dumps..:lol:

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good day one and all,

 

the chubbs in dah house once more.....:D

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daddys home again,:D.this is becoming a habbit, i keep forgetting to look back and post lmao.:-( feeling a bit sad now as they still owe me money and my job is on the line, what with the credit crunch and all.i wishh they would pay up soon as it would help me out of a hole!!!:-(

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hi you too.

 

Have you checked the most recent qualification for hardship claims?

 

We have had some successes on anther site.

 

did you see the post about proposed group litigation?

 

jan

 

still hovering


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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Hi Jan, hope u are doing ok xx

 

Hardship doesnt apply really....i am coping ok, better than some, its just normal day to day costs with 3 kids and a home to run lol...just wish we could see the light really!!

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yes I agree its dragged on long enough. Maybe they were hoping everyone would forget about it. But now with the credit crunch people need the money more than ever. Just seems so unfair that they can continue with the charges while the case goes on.

 

Nice to see you are still both about !


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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howdy pardners...........:)

 

 

still have a job ,

 

still fed up,

 

 

still want my money,

 

 

someone do summit and get it sorted plz.

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:( god i just realised i have been at this for two yrs. am i wasteing my days away on a pipe dream?:|

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hi mate!!! big news hun, banks vs oft in court tomoz at 10....should hear something xxx

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:D take that banks,squirm all you like, the lords aint gonna be daft enough to allow another appeal are they?....have a taste of how it feels to be "f****d over and not able to do much about it" welcome to the real world you bankers. the gravy train has just run dry (i hope) :-)

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:eek: and hi jen didnt see your post till i posted.how u doin sweety?:-D

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hiya hunny, doing ok ta chick n how r u? just more waiting now lol like were not used to that!!

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:-x right thats it" i av ad enough" i have just recieved a default notice on my account, yes the one that i am in dispute about bank charges.i have gone £17-64 over my overdraft limit because the bank charged me £35-00 for last month.talk about phizzed off.i called a&l and asked about the charge and the default notice and was told "pay it by the 18th or incurr more charges....................i asked nicely if they would pay me what they owe me so i could pay them and was told "thats not gonna happen mr chubba" so i said "you wont get paid, and ill go have a little chat with the nice judge smith in my local court ta ta for now" i need a template letter link please to send a&l. i have down loaded the n208 and am gonna do the overtime to get the 150 squid to set it in motion.god dam you bankers.life is hard at the min, and with lay offs its harder ..give me a break:!: you are so gonna be sorry u had a go at me grrrrrrrrrrrrrrrrrr:-x

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awww mate, i'm sorry theyre at it again.....its getting beyond a joke now and we're all in need of the cash, best thing is they told the judge they would pay me out...just gotta wait til they have finished there appeals....and bloody A&L are not even part of the damn test case!!!

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I just hope when you both get your charges back you get the interest as well. It is all just dragging on too long


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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im still in grrrrrrrrrrrrrrr!!! mode with a bit of arghhhhhhhhhhhhh!!! ...........just took a look at my account, and as the bank said," pay by the 18 march or incurr" .........its 730am on the 18th and i have incurred,i would of thought the end of the day 18th they would charge me, but no they do it midnight 17th how the fondue is that fair ........or right? i realy have just had about enough!!:evil:

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