Crash repaired Scirocco

[BlimeyCharlie]

I'd be inclined to take the money, and once you've cashed it then threaten and probably go to Watchdog/wider media.

You might gain some compensation. Might is the key word.

If you don't, you'll have the satisfaction of actually bringing this problem to a massive audience. Only with the ball rolling will you be taken seriously.

There is also the publicity that is potentially not good for Motability, who might be able to put some weight behind things, even though they appear to have done nowt wrong.

Good luck and thanks for posting originally.

[aw51 121565]

80quattro said:

As has been previously posted, a car will only show as category A-D IF its had a claim against it. If Motability haven't claimed for the car, it will have HPi clear status.

HTH

Cat A to D only apply if the value of the repair was greater than certain monetary values related to the pre-accident value of the car (Cat C & D) or the damage to the car is deemed so bad that only parts off the car can be reused (Cat B) or the car must be crushed "as is" (Cat A); it won't have been repaired - rather, the owner will have received a payout and the car "written off".

Also - in essence - "Cat D" is a 'simple' economic write off (cost of repair greater than 60% of pre-accident value, end of story) whereas "Cat C" is the same but the insurance company want it VICed to make sure it's a legit car.

A Cat C or D car can be sold on but it will have "Cat C" or "Cat D" on its HPI record. A "Cat A" or "Cat B" car shouldn't (ahem) see the road again.

If the value of the repair was less than (ball park figure) 60% of the pre-accident value of the car (and this Scirocco looks like this scenario applies) then the insurance will pay out and the car won't have any "Category rating". The claim should show on HPI though.

Presuming that this Scirocco is "HPI Clear" then it's likely that cash was paid for the repair rather than an insurance company shelling out. Likely - not a dead cert (as paperwork can get lost, but an insurance claim should be on the HPI report which won't then say "HPI Clear"...) .

[Chris993C4]

Sir Bagalot said:

And don't buy another VW. Ever.

An attitude shared by many owners

[chr15b]

aw51 121565 said:

Cat A to D only apply if the value of the repair was greater than certain monetary values related to the pre-accident value of the car (Cat C & D) or the damage to the car is deemed so bad that only parts off the car can be reused (Cat B) or the car must be crushed "as is" (Cat A); it won't have been repaired - rather, the owner will have received a payout and the car "written off".

Also - in essence - "Cat D" is a 'simple' economic write off (cost of repair greater than 60% of pre-accident value, end of story) whereas "Cat C" is the same but the insurance company want it VICed to make sure it's a legit car.

A Cat C or D car can be sold on but it will have "Cat C" or "Cat D" on its HPI record. A "Cat A" or "Cat B" car shouldn't (ahem) see the road again.

If the value of the repair was less than (ball park figure) 60% of the pre-accident value of the car (and this Scirocco looks like this scenario applies) then the insurance will pay out and the car won't have any "Category rating". The claim should show on HPI though.

Presuming that this Scirocco is "HPI Clear" then it's likely that cash was paid for the repair rather than an insurance company shelling out. Likely - not a dead cert (as paperwork can get lost, but an insurance claim should be on the HPI report which won't then say "HPI Clear"...) .

CAT rating applies to insurance, you or I cannot apply a CAT label to a car.

Owner crashes car, claims on insurance, insurance company choose to pay owner money rather than replace car, car becomes property of insurance company and they sell it on as salvage etc with a CAT label.


Owner crashes car, doesn't claim on insurance, has car repaired and keeps or sells it, this crash isnt recorded and there is no CAT label to apply.


in the OP's case, the person who crashed the vehicle wasnt the onwer, the legal owner chose to replace the car to the person who crashed it with a new one, and repaired the car or sold it to be repaired. the insurer was not involved so there was no CAT label to apply.



This is no different to me crashing my car, selling it to you to repair then you selling it on.

[va1o]

Is this it?



I'm not sure how it ended up slipping through the system. If the insurer paid out it should have been declared as a write off, this seems to be what's unclear and the ridiculous data protection laws in this country mean you'll never find out for sure. Its likely some kind of backstreet trader got hold of it and repaired on the cheap before selling on to the dealer. Doesn't necessarily have to be auction, dealers will buy a car of anyone. As its a 12-plate and HPI Clear they would have assumed its OK and not even worth checking.

Its a pretty annoying situation to be in, but I'm not really sure what else you can do apart from accept the refund and move on. It will put you in a stronger position anyway buying with the replacement with cash and not having a trade in.

Edited by va1o on Tuesday 4th December 21:29

[Crafty_]

Not sure that the insurer actually ever paid out, seems to me the owner (mobility) repaired the car themselves and moved it on.

[Sir Bagalot]

£16K! Geesus! Put another £500 with it and go and buy a brand new one if you really want a VW

[jamoor]

Sir Bagalot said:

£16K! Geesus! Put another £500 with it and go and buy a brand new one if you really want a VW

£500?

I'd never buy a new car, but an extra £500 for a brand new car on a £16k budget is peanuts.

[SMcP114]

BlimeyCharlie said:

I'd be inclined to take the money, and once you've cashed it then threaten and probably go to Watchdog/wider media.

You might gain some compensation. Might is the key word.

For what? Honestly?

[va1o]

Sir Bagalot said:

£16K! Geesus! Put another £500 with it and go and buy a brand new one if you really want a VW

In fairness it is quite cheap, you'd be looking at £18k for that normally on the nearly new market or new through a broker. £16.5k would be an 11 or 61 plate without nav

[Sir Bagalot]

va1o said:

Sir Bagalot said:

£16K! Geesus! Put another £500 with it and go and buy a brand new one if you really want a VW

In fairness it is quite cheap, you'd be looking at £18k for that normally on the nearly new market or new through a broker. £16.5k would be an 11 or 61 plate without nav

DTD are selling them new for £16.5K hence my post.

[GSP]

I'm surprised you can even get a scirocco onmotability. They are not exactly the most comfortable and easy to access cars in the world.

[va1o]

Sir Bagalot said:

DTD are selling them new for £16.5K hence my post.

True... but

drivethedeal.com said:

The quoted prices include a £1,000 discount which is conditional upon you taking out finance arranged by the dealer. If you do not wish to take out this finance then you will need to add £1,000 to the prices that we quote online.

Also OP may have got discount of the £16k screen price for this (assuming it is the one highlighted above)

I see what you are saying though.

[Alfahorn]

GSP said:

I'm surprised you can even get a scirocco onmotability. They are not exactly the most comfortable and easy to access cars in the world.

Assumption being made there.

Ease of access is not the priority for all motab customers .

[Alfahorn]

va1o said:

Is this it?



I'm not sure how it ended up slipping through the system. If the insurer paid out it should have been declared as a write off, this seems to be what's unclear and the ridiculous data protection laws in this country mean you'll never find out for sure. Its likely some kind of backstreet trader got hold of it and repaired on the cheap before selling on to the dealer. Doesn't necessarily have to be auction, dealers will buy a car of anyone. As its a 12-plate and HPI Clear they would have assumed its OK and not even worth checking.

Its a pretty annoying situation to be in, but I'm not really sure what else you can do apart from accept the refund and move on. It will put you in a stronger position anyway buying with the replacement with cash and not having a trade in.

Edited by va1o on Tuesday 4th December 21:29

I agree take the money and move on, not sure what you stand to gain from digging your heals in.

As for being a stronger position as a cash buyer, I'm afraid that's a complete myth. Dealers aren't excited about taking cash, they want to sell finance as they get a commission on the sale of finance as well as bonuses from the finance houses for achieving targets.

[jamoor]

va1o said:

Also OP may have got discount of the £16k screen price for this (assuming it is the one highlighted above)

I see what you are saying though.

Isnt that finance thing illegal?

[va1o]

jamoor said:

Isnt that finance thing illegal?

Its common practice, dealers will always do a better deal these days if you take out the finance. VWFS in particular seem to regularly be running offers such as the one above.

Alfahorn said:

I agree take the money and move on, not sure what you stand to gain from digging your heals in.

As for being a stronger position as a cash buyer, I'm afraid that's a complete myth. Dealers aren't excited about taking cash, they want to sell finance as they get a commission on the sale of finance as well as bonuses from the finance houses for achieving targets.

I meant stronger position as in been able to buy the car straight without a PX.

[daemon]

D_G said:

I'd be amazed if they will even consider giving you a new car, a full refund and temporary transport would be my guess. I'd also guess the car will end up at an auction very soon after you hand it back.

I bought a BMW 535d 'approved used' with 'FBMWSH'. Turns out it had a 20K mile hole in the service history, which i didnt pick up on for a year until i was going to sell it and requested the service book (original was lost)

The main dealer bought it back from me after prompting from BMW UK probably for £4K above trade price but still well down on what i'd paid for it the previous year.

Interestingly, a week later it appeared on a local indy's website with 'FSH'..... clearly it had been sold on by the main dealer who wouldnt dare retail it again, but the indy seemed to have no qualms about doctoring the service history.

[daemon]

warmfuzzies said:

Trading standards, citizens advice, legal action, thats where I feel you are going to have to go.

Add all the numbers, your previous cars value, not the trade in amount, the cost of the vehicle to you, (scircoco)) and your out of pocket costs keeping yourself on the road.


Good luck.


Kevin

Theres no mission of that happening. They know legally they can either replace, repair or refund at THEIR discretion. They know they cant repair it satisfactorily, the cant find a replacement, so they're refunding.

They are not obliged to pay for inconvenience, hurt feelings, dented pride or any incidental costs, so i very much doubt they will.

[va1o]

daemon said:

They are not obliged to pay for inconvenience, hurt feelings, dented pride or any incidental costs, so i very much doubt they will.

Exactly.

Incidentally I'm having to accept a refund today for something I bought this week at a very good price as it was misdescribed. I know there's no way i'll be able to buy another for the same money any time soon but such is life.