Blown turbo - engine damage? and insurance conundrum
Discussion
And when the letter is uploaded I take it all those who unfairly branded the OP a liar and a fraudster will be apologising???
Good result mate - I thought this would be the case from the beginning. With banks and insurance companies you only ever really get a fair reasonable result when you speak to someone who has a bit of weight behind them. I usually write letters to the CEO and have yet to not get a result which I'm happy with...
Good result mate - I thought this would be the case from the beginning. With banks and insurance companies you only ever really get a fair reasonable result when you speak to someone who has a bit of weight behind them. I usually write letters to the CEO and have yet to not get a result which I'm happy with...
photosnob said:
And when the letter is uploaded I take it all those who unfairly branded the OP a liar and a fraudster will be apologising???
Good result mate - I thought this would be the case from the beginning. With banks and insurance companies you only ever really get a fair reasonable result when you speak to someone who has a bit of weight behind them. I usually write letters to the CEO and have yet to not get a result which I'm happy with...
I certainly asked for clarification on some points and will be interested to see the letter but would not be surprised if we do not.Good result mate - I thought this would be the case from the beginning. With banks and insurance companies you only ever really get a fair reasonable result when you speak to someone who has a bit of weight behind them. I usually write letters to the CEO and have yet to not get a result which I'm happy with...
btcc123 said:
I certainly asked for clarification on some points and will be interested to see the letter but would not be surprised if we do not.
We all have our own outlooks. I like to be positive and then proven wrong, as apposed to being negative and proven right... At least with my view of people you have a chance of something good. For the most part - I've messed up enough to have enough humility to realise that I should put others down or judge them too much. However I'm willing to forsake my high grounded principles if I so decide.
btcc123 said:
Just wondering did your cheque and letter from the insurance company get lost in the post.
It can take a few days for cheques to work their way through the system and we mustn't forget that no PHer has ever received a letter from their insurer, so it will get lost 
I'd like to see the cheque scanned in to (obviously he can delete his name).
LoonR1 said:
btcc123 said:
Just wondering did your cheque and letter from the insurance company get lost in the post.
It can take a few days for cheques to work their way through the system and we mustn't forget that no PHer has ever received a letter from their insurer, so it will get lost I'd like to see the cheque scanned in to (obviously he can delete his name).
Maybe worth ring the insurance again and perhaps report your missing letter to the post office.
btcc123 said:
OP you said that when you spoke to your insurance company last Wednesday they said the cheque was in the post.I am surprised you have not received it yet.
Maybe worth ring the insurance again and perhaps report your missing letter to the post office.
It was Thursday I spoke with them, I was hoping to have it by now but as has been mentioned it can take a while for a cheque to work it's way through.Maybe worth ring the insurance again and perhaps report your missing letter to the post office.
I'm not worried considering I spoke with them late Thursday, so even if they did authorise the cheque, it probably didn't get printed/posted until Friday at the earliest. And knowing Postman Pat that means I wouldn't get it until today at the earliest. Fingers crossed it's on the doorstep tonight.
dogzilla said:
btcc123 said:
OP you said that when you spoke to your insurance company last Wednesday they said the cheque was in the post.I am surprised you have not received it yet.
Maybe worth ring the insurance again and perhaps report your missing letter to the post office.
It was Thursday I spoke with them, I was hoping to have it by now but as has been mentioned it can take a while for a cheque to work it's way through.Maybe worth ring the insurance again and perhaps report your missing letter to the post office.
I'm not worried considering I spoke with them late Thursday, so even if they did authorise the cheque, it probably didn't get printed/posted until Friday at the earliest. And knowing Postman Pat that means I wouldn't get it until today at the earliest. Fingers crossed it's on the doorstep tonight.
Anyway good luck and hope you receive it soon.
dogzilla said:
Just got a call from Quality team and I am absolutely over the moon with the result.
I was gearing up for a long battle but fairness has prevailed.
I was informed that a cheque for £7500 is in the post today. This includes money for a geometry check on the car which came as reccomendation from the engineer.
The figure is slightly reduced as the labour on the two incidents was combined and reduced accordingly.
This does not include compensation for the saga which I have gone through, they are currently working on a figure and will get back to me in a few days.
P.S - I will scan in the final resolution letter when it arrives just to cover any smug t
ttery from our resident in-house know it alls.
I was gearing up for a long battle but fairness has prevailed.
I was informed that a cheque for £7500 is in the post today. This includes money for a geometry check on the car which came as reccomendation from the engineer.
The figure is slightly reduced as the labour on the two incidents was combined and reduced accordingly.
This does not include compensation for the saga which I have gone through, they are currently working on a figure and will get back to me in a few days.
P.S - I will scan in the final resolution letter when it arrives just to cover any smug t
ttery from our resident in-house know it alls.
Just to give a summary of this thread from my viewpoint.
The OP has two separate accidents where his wifes car is side swiped on both sides and the insurance company agree to pay the cost of repairs for the two claims that is £8500.The bodywork repairs could have been repaired before Christmas but the OP decides not to have this done and to driver to the South of France to see his family over Christmas in a car with £8500 worth of body damage.
On the way back the engine turbo fails on the car and despite having Green Flag rescue the car takes 6 weeks to be returned to the UK.He then rings his insurer and says that instead if the BMW standard body shop repairing my car and the body shop sending the bill to the insurance company can I have cash instead of repair as I want to do a cheap £2000 body repair and to use the rest of the money to repair the engine turbo.I would have thought that the maximum a new fitted turbo would cost is £2000 so the OP probably had the intention of pocketing the remaining £3500 if he was paid out.
Apparently the insurance company agreed to this and then changed their mind.This was probably due to all the insurance company only agreeing to repair the actual damage in the claim and nothing else as they have a duty to so this for their policyholders.This may be illegal for the insurers and fraud by the policyholder but I am not sure about this.
In the mean time the OP has has the bodywork fixed for £2000 and work has started on repairing the turbo.The insurance company have now told him that as they would only pay for the bodywork repair and he chose not to have it done to BMW standards but chose a cheap job costing £2000 the insurance company said that that is all they would pay.Now the OP has a problem as the bodywork has not been repaired to a good standard and still has to find the money to repair the engine turbo.
The OP now says that the insurance company will give him a cheque for £7500 for him to do what he likes with when he spoke to them on Wednesday 25th March 2015 and the cheque was in the post.He also said that when he received the letter and cheque he will scan them and post them on here to prove the doubters wrong.
The issues I have with this thread is:
The OP has said that his insurance company are handling the claim but in reality all no fault claims are passed by his insurers to an Accident Management company.
The OP said that he did not want a hire car but in a previous post he said he wanted a hire car but there were none available as his wife wanted an automatic.There are always plenty of hire cars available especially to insurance companies.
I do not know any insurance company that will agree to pay for any damaged not caused by an accident and certainly not if someone said they wanted to spend some of the claim money on an engine repair when in fact the claim was only bodywork.
Does it really take Green Flag six weeks to get the car home in the UK from France.
It is over a week now since the OP says the letter and £7500 cheque was in the post so would have thought he would have shown us by now.
There are other inconsistencies that make it very unlikely in my eyes that all the OP is saying is true.
I personally think that we will never see the letter and cheque for £7500 from his insurance company.If we do see it and it is genuine then I will be the first to hold my hands up and say sorry I was wrong but you did not explain the whole story very well.
The OP has two separate accidents where his wifes car is side swiped on both sides and the insurance company agree to pay the cost of repairs for the two claims that is £8500.The bodywork repairs could have been repaired before Christmas but the OP decides not to have this done and to driver to the South of France to see his family over Christmas in a car with £8500 worth of body damage.
On the way back the engine turbo fails on the car and despite having Green Flag rescue the car takes 6 weeks to be returned to the UK.He then rings his insurer and says that instead if the BMW standard body shop repairing my car and the body shop sending the bill to the insurance company can I have cash instead of repair as I want to do a cheap £2000 body repair and to use the rest of the money to repair the engine turbo.I would have thought that the maximum a new fitted turbo would cost is £2000 so the OP probably had the intention of pocketing the remaining £3500 if he was paid out.
Apparently the insurance company agreed to this and then changed their mind.This was probably due to all the insurance company only agreeing to repair the actual damage in the claim and nothing else as they have a duty to so this for their policyholders.This may be illegal for the insurers and fraud by the policyholder but I am not sure about this.
In the mean time the OP has has the bodywork fixed for £2000 and work has started on repairing the turbo.The insurance company have now told him that as they would only pay for the bodywork repair and he chose not to have it done to BMW standards but chose a cheap job costing £2000 the insurance company said that that is all they would pay.Now the OP has a problem as the bodywork has not been repaired to a good standard and still has to find the money to repair the engine turbo.
The OP now says that the insurance company will give him a cheque for £7500 for him to do what he likes with when he spoke to them on Wednesday 25th March 2015 and the cheque was in the post.He also said that when he received the letter and cheque he will scan them and post them on here to prove the doubters wrong.
The issues I have with this thread is:
The OP has said that his insurance company are handling the claim but in reality all no fault claims are passed by his insurers to an Accident Management company.
The OP said that he did not want a hire car but in a previous post he said he wanted a hire car but there were none available as his wife wanted an automatic.There are always plenty of hire cars available especially to insurance companies.
I do not know any insurance company that will agree to pay for any damaged not caused by an accident and certainly not if someone said they wanted to spend some of the claim money on an engine repair when in fact the claim was only bodywork.
Does it really take Green Flag six weeks to get the car home in the UK from France.
It is over a week now since the OP says the letter and £7500 cheque was in the post so would have thought he would have shown us by now.
There are other inconsistencies that make it very unlikely in my eyes that all the OP is saying is true.
I personally think that we will never see the letter and cheque for £7500 from his insurance company.If we do see it and it is genuine then I will be the first to hold my hands up and say sorry I was wrong but you did not explain the whole story very well.
btcc123 said:
Just to give a summary of this thread from my viewpoint.
The OP has two separate accidents where his wifes car is side swiped on both sides and the insurance company agree to pay the cost of repairs for the two claims that is £8500.The bodywork repairs could have been repaired before Christmas but the OP decides not to have this done and to driver to the South of France to see his family over Christmas in a car with £8500 worth of body damage.
On the way back the engine turbo fails on the car and despite having Green Flag rescue the car takes 6 weeks to be returned to the UK.He then rings his insurer and says that instead if the BMW standard body shop repairing my car and the body shop sending the bill to the insurance company can I have cash instead of repair as I want to do a cheap £2000 body repair and to use the rest of the money to repair the engine turbo.I would have thought that the maximum a new fitted turbo would cost is £2000 so the OP probably had the intention of pocketing the remaining £3500 if he was paid out.
Apparently the insurance company agreed to this and then changed their mind.This was probably due to all the insurance company only agreeing to repair the actual damage in the claim and nothing else as they have a duty to so this for their policyholders.This may be illegal for the insurers and fraud by the policyholder but I am not sure about this.
In the mean time the OP has has the bodywork fixed for £2000 and work has started on repairing the turbo.The insurance company have now told him that as they would only pay for the bodywork repair and he chose not to have it done to BMW standards but chose a cheap job costing £2000 the insurance company said that that is all they would pay.Now the OP has a problem as the bodywork has not been repaired to a good standard and still has to find the money to repair the engine turbo.
The OP now says that the insurance company will give him a cheque for £7500 for him to do what he likes with when he spoke to them on Wednesday 25th March 2015 and the cheque was in the post.He also said that when he received the letter and cheque he will scan them and post them on here to prove the doubters wrong.
The issues I have with this thread is:
The OP has said that his insurance company are handling the claim but in reality all no fault claims are passed by his insurers to an Accident Management company.
The OP said that he did not want a hire car but in a previous post he said he wanted a hire car but there were none available as his wife wanted an automatic.There are always plenty of hire cars available especially to insurance companies.
I do not know any insurance company that will agree to pay for any damaged not caused by an accident and certainly not if someone said they wanted to spend some of the claim money on an engine repair when in fact the claim was only bodywork.
Does it really take Green Flag six weeks to get the car home in the UK from France.
It is over a week now since the OP says the letter and £7500 cheque was in the post so would have thought he would have shown us by now.
There are other inconsistencies that make it very unlikely in my eyes that all the OP is saying is true.
I personally think that we will never see the letter and cheque for £7500 from his insurance company.If we do see it and it is genuine then I will be the first to hold my hands up and say sorry I was wrong but you did not explain the whole story very well.
Very much this. He stitched himself up real good.The OP has two separate accidents where his wifes car is side swiped on both sides and the insurance company agree to pay the cost of repairs for the two claims that is £8500.The bodywork repairs could have been repaired before Christmas but the OP decides not to have this done and to driver to the South of France to see his family over Christmas in a car with £8500 worth of body damage.
On the way back the engine turbo fails on the car and despite having Green Flag rescue the car takes 6 weeks to be returned to the UK.He then rings his insurer and says that instead if the BMW standard body shop repairing my car and the body shop sending the bill to the insurance company can I have cash instead of repair as I want to do a cheap £2000 body repair and to use the rest of the money to repair the engine turbo.I would have thought that the maximum a new fitted turbo would cost is £2000 so the OP probably had the intention of pocketing the remaining £3500 if he was paid out.
Apparently the insurance company agreed to this and then changed their mind.This was probably due to all the insurance company only agreeing to repair the actual damage in the claim and nothing else as they have a duty to so this for their policyholders.This may be illegal for the insurers and fraud by the policyholder but I am not sure about this.
In the mean time the OP has has the bodywork fixed for £2000 and work has started on repairing the turbo.The insurance company have now told him that as they would only pay for the bodywork repair and he chose not to have it done to BMW standards but chose a cheap job costing £2000 the insurance company said that that is all they would pay.Now the OP has a problem as the bodywork has not been repaired to a good standard and still has to find the money to repair the engine turbo.
The OP now says that the insurance company will give him a cheque for £7500 for him to do what he likes with when he spoke to them on Wednesday 25th March 2015 and the cheque was in the post.He also said that when he received the letter and cheque he will scan them and post them on here to prove the doubters wrong.
The issues I have with this thread is:
The OP has said that his insurance company are handling the claim but in reality all no fault claims are passed by his insurers to an Accident Management company.
The OP said that he did not want a hire car but in a previous post he said he wanted a hire car but there were none available as his wife wanted an automatic.There are always plenty of hire cars available especially to insurance companies.
I do not know any insurance company that will agree to pay for any damaged not caused by an accident and certainly not if someone said they wanted to spend some of the claim money on an engine repair when in fact the claim was only bodywork.
Does it really take Green Flag six weeks to get the car home in the UK from France.
It is over a week now since the OP says the letter and £7500 cheque was in the post so would have thought he would have shown us by now.
There are other inconsistencies that make it very unlikely in my eyes that all the OP is saying is true.
I personally think that we will never see the letter and cheque for £7500 from his insurance company.If we do see it and it is genuine then I will be the first to hold my hands up and say sorry I was wrong but you did not explain the whole story very well.
LoonR1 said:
btcc123 said:
Just wondering did your cheque and letter from the insurance company get lost in the post.
It can take a few days for cheques to work their way through the system and we mustn't forget that no PHer has ever received a letter from their insurer, so it will get lost I'd like to see the cheque scanned in to (obviously he can delete his name).
He came here looking for advice and some people cast doubt over his story. However he claims now to have a resolution to the problem in which case why would he need to prove it to anyone? If It was me I wouldn't. I certainly wouldn't go to the trouble of redacting information and then scanning a letter/cheque in just to prove a group of people that I wouldn't know from Adam if I passed them in the street wrong.
If he still needed help then I'd see the point in supplying info but not if it's sorted.
Spoke with insurance company yesterday. Cheque was not sent out so I kicked up a fuss and they sent me a chaps payment.
Cash arrived in my bank this lunch time, all £7415 of it. - http://i.imgur.com/1v2N2uc.png.
Maybe you think I forged that one. What about this: http://i.imgur.com/MDKBpP2.jpg
If you think I'm making it up, do one. I will upload the letter when it eventually arrives.
Either way I'm not fussed, cash is in the bank and that's a good result for me.
Cash arrived in my bank this lunch time, all £7415 of it. - http://i.imgur.com/1v2N2uc.png.
Maybe you think I forged that one. What about this: http://i.imgur.com/MDKBpP2.jpg
If you think I'm making it up, do one. I will upload the letter when it eventually arrives.
Either way I'm not fussed, cash is in the bank and that's a good result for me.
Edited by dogzilla on Wednesday 1st April 17:53
dogzilla said:
Spoke with insurance company yesterday. Cheque was not sent out so I kicked up a fuss and they sent me a chaps payment.
Cash arrived in my bank this lunch time, all £7415 of it. - http://i.imgur.com/1v2N2uc.png.
Maybe you think I forged that one. What about this: http://i.imgur.com/MDKBpP2.jpg
If you think I'm making it up, do one. I will upload the letter when it eventually arrives.
Either way I'm not fussed, cash is in the bank and that's a good result for me.
That proves absolutely nothing. There is no reference of the insurance company on the payment. Any BACS payment would tell your he source. That is simply an account number. You could've transferred it out of your savings. Cash arrived in my bank this lunch time, all £7415 of it. - http://i.imgur.com/1v2N2uc.png.
Maybe you think I forged that one. What about this: http://i.imgur.com/MDKBpP2.jpg
If you think I'm making it up, do one. I will upload the letter when it eventually arrives.
Either way I'm not fussed, cash is in the bank and that's a good result for me.
Edited by dogzilla on Wednesday 1st April 17:53
Show us the letter.
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