Main dealer has written car off
Discussion
OK IT HAS BEEN RESOLVED
Now people will likely have different opinions on the rights and wrongs, legal take and moral stance taken by the dealer. But sister is ‘satisfied’.
The solicitor has upped the offer to £13,800 and finally released the details requested by sisters gap insurance.
Once she had the details they had previously refused to give out on gdpr reasons, the gap insurer agreed to open a case.
The gap insurance have agreed to return her to the sticker price she paid as per her cover for the difference after the £13,800.
Which she is ‘satisfied’ with. I say this rather than happy as we still believe the garage have acted like a set of scum bags over this. They still want the money for the service they have undertaken and no offer of a proper apology.
I have warned her that this may/will impact her insurance, but she needs a car, hasn’t got the money or time for a solicitor and just wants to draw a line under it.
The only sticking point now is getting the money as the solicitor has confirmed the money will be coming direct from the garage and currently they can’t get anyone to do it due to shut down. On the flip side the garage don’t want the curtesy car back as they are also shut.
I have passed on a suggestion I think was from here. Once the money has cleared she is going to ring them and say she’s really sorry. But She has written their car off. She’s valued it at £3,000, where do they want the cheque sending?
Just wanted to say thanks to everyone who has taken the time to reply. I don’t think anyone said we were being unreasonable which helped.
Cheers everyone.
Now people will likely have different opinions on the rights and wrongs, legal take and moral stance taken by the dealer. But sister is ‘satisfied’.
The solicitor has upped the offer to £13,800 and finally released the details requested by sisters gap insurance.
Once she had the details they had previously refused to give out on gdpr reasons, the gap insurer agreed to open a case.
The gap insurance have agreed to return her to the sticker price she paid as per her cover for the difference after the £13,800.
Which she is ‘satisfied’ with. I say this rather than happy as we still believe the garage have acted like a set of scum bags over this. They still want the money for the service they have undertaken and no offer of a proper apology.
I have warned her that this may/will impact her insurance, but she needs a car, hasn’t got the money or time for a solicitor and just wants to draw a line under it.
The only sticking point now is getting the money as the solicitor has confirmed the money will be coming direct from the garage and currently they can’t get anyone to do it due to shut down. On the flip side the garage don’t want the curtesy car back as they are also shut.
I have passed on a suggestion I think was from here. Once the money has cleared she is going to ring them and say she’s really sorry. But She has written their car off. She’s valued it at £3,000, where do they want the cheque sending?
Just wanted to say thanks to everyone who has taken the time to reply. I don’t think anyone said we were being unreasonable which helped.
Cheers everyone.
Flumpo said:
Once the money has cleared she is going to ring them and say she’s really sorry. But She has written their car off. She’s valued it at £3,000, where do they want the cheque sending?
Oh that's delicious! Please, please please can she do this! 
(Glad to hear it's come to an end. Agreed that the garage acted very badly from what you said but having it over is a good thing.)
Flumpo said:
I have warned her that this may/will impact her insurance,
It won't. She lent her car to someone else who crashed it and claimed on their insurance. Nothing to do with her and completely non disclosable. Imagine a leasing company, with 10k vehicles out on lease. Those vehicles are owned by them, but driven and insured by others. Let's say 1 in 10 have a claim during the year. The lease firm also have a car for themselves, for the sales manager to use, which they insure in their own name, ABC Leasing.
Their own car insurance comes up for renewal. They do not have to disclose that they have had 1000 claims!!!
Your sister's situation is no different.
TwigtheWonderkid said:
It won't. She lent her car to someone else who crashed it and claimed on their insurance. Nothing to do with her and completely non disclosable.
Imagine a leasing company, with 10k vehicles out on lease. Those vehicles are owned by them, but driven and insured by others. Let's say 1 in 10 have a claim during the year. The lease firm also have a car for themselves, for the sales manager to use, which they insure in their own name, ABC Leasing.
Their own car insurance comes up for renewal. They do not have to disclose that they have had 1000 claims!!!
Your sister's situation is no different.
Not saying you are wrong, I have no idea. Imagine a leasing company, with 10k vehicles out on lease. Those vehicles are owned by them, but driven and insured by others. Let's say 1 in 10 have a claim during the year. The lease firm also have a car for themselves, for the sales manager to use, which they insure in their own name, ABC Leasing.
Their own car insurance comes up for renewal. They do not have to disclose that they have had 1000 claims!!!
Your sister's situation is no different.
Will the fact she has put a claim through on her GAP insurance have any influence on things? Does the GAP system link up to the normal system so any insurer could see she has made a claim for a total loss? Even if indirectly?
RB Will said:
TwigtheWonderkid said:
It won't. She lent her car to someone else who crashed it and claimed on their insurance. Nothing to do with her and completely non disclosable.
Imagine a leasing company, with 10k vehicles out on lease. Those vehicles are owned by them, but driven and insured by others. Let's say 1 in 10 have a claim during the year. The lease firm also have a car for themselves, for the sales manager to use, which they insure in their own name, ABC Leasing.
Their own car insurance comes up for renewal. They do not have to disclose that they have had 1000 claims!!!
Your sister's situation is no different.
Not saying you are wrong, I have no idea. Imagine a leasing company, with 10k vehicles out on lease. Those vehicles are owned by them, but driven and insured by others. Let's say 1 in 10 have a claim during the year. The lease firm also have a car for themselves, for the sales manager to use, which they insure in their own name, ABC Leasing.
Their own car insurance comes up for renewal. They do not have to disclose that they have had 1000 claims!!!
Your sister's situation is no different.
Will the fact she has put a claim through on her GAP insurance have any influence on things? Does the GAP system link up to the normal system so any insurer could see she has made a claim for a total loss? Even if indirectly?
She's had no accident. And the claim she has made is not a motor insurance claim. The garage have made a motor insurance claim on their policy, OP's sister has just made a claim off the garage, but it's not an insurance claim, it's just a claim for money owed to her. It was for a car they damaged, but it could have been a generator they were fixing, or a ride on lawnmower. Or money they owed her for doing some work for them. It's irrelevant.
Flumpo said:
OK IT HAS BEEN RESOLVED
Now people will likely have different opinions on the rights and wrongs, legal take and moral stance taken by the dealer. But sister is ‘satisfied’.
The solicitor has upped the offer to £13,800 and finally released the details requested by sisters gap insurance.
Once she had the details they had previously refused to give out on gdpr reasons, the gap insurer agreed to open a case.
The gap insurance have agreed to return her to the sticker price she paid as per her cover for the difference after the £13,800.
Which she is ‘satisfied’ with. I say this rather than happy as we still believe the garage have acted like a set of scum bags over this. They still want the money for the service they have undertaken and no offer of a proper apology.
I have warned her that this may/will impact her insurance, but she needs a car, hasn’t got the money or time for a solicitor and just wants to draw a line under it.
The only sticking point now is getting the money as the solicitor has confirmed the money will be coming direct from the garage and currently they can’t get anyone to do it due to shut down. On the flip side the garage don’t want the curtesy car back as they are also shut.
I have passed on a suggestion I think was from here. Once the money has cleared she is going to ring them and say she’s really sorry. But She has written their car off. She’s valued it at £3,000, where do they want the cheque sending?
Just wanted to say thanks to everyone who has taken the time to reply. I don’t think anyone said we were being unreasonable which helped.
Cheers everyone.
Been following this quietly and whilst it's an outcome, I don't think it's a good one or morally correct at all.Now people will likely have different opinions on the rights and wrongs, legal take and moral stance taken by the dealer. But sister is ‘satisfied’.
The solicitor has upped the offer to £13,800 and finally released the details requested by sisters gap insurance.
Once she had the details they had previously refused to give out on gdpr reasons, the gap insurer agreed to open a case.
The gap insurance have agreed to return her to the sticker price she paid as per her cover for the difference after the £13,800.
Which she is ‘satisfied’ with. I say this rather than happy as we still believe the garage have acted like a set of scum bags over this. They still want the money for the service they have undertaken and no offer of a proper apology.
I have warned her that this may/will impact her insurance, but she needs a car, hasn’t got the money or time for a solicitor and just wants to draw a line under it.
The only sticking point now is getting the money as the solicitor has confirmed the money will be coming direct from the garage and currently they can’t get anyone to do it due to shut down. On the flip side the garage don’t want the curtesy car back as they are also shut.
I have passed on a suggestion I think was from here. Once the money has cleared she is going to ring them and say she’s really sorry. But She has written their car off. She’s valued it at £3,000, where do they want the cheque sending?
Just wanted to say thanks to everyone who has taken the time to reply. I don’t think anyone said we were being unreasonable which helped.
Cheers everyone.
I also agree that she may need to fight them again - as others have pointed out it wouldn't surprise me if they deducted the amount of the service from the settlement before sending it on.
This should NEVER have required her GAP insurance to pay out - it's nothing to do with them imo. The dealer's insurance should have paid out whatever they were going to and the dealer should then have topped it up to the value it would cost her to replace the car like-for-like (or offered her the one from stock which would've probably been nearly cost-neutral to them).
Instead the terrible behaviour from the dealer has caused stress, anger and ensured she'll never use them again. I hope she's going to do everything possible to share her experience with as many people as she can.
The dealer's f
ked this up royally - bunch of scummers.Funk said:
Been following this quietly and whilst it's an outcome, I don't think it's a good one or morally correct at all.
I also agree that she may need to fight them again - as others have pointed out it wouldn't surprise me if they deducted the amount of the service from the settlement before sending it on.
This should NEVER have required her GAP insurance to pay out - it's nothing to do with them imo. The dealer's insurance should have paid out whatever they were going to and the dealer should then have topped it up to the value it would cost her to replace the car like-for-like (or offered her the one from stock which would've probably been nearly cost-neutral to them).
Instead the terrible behaviour from the dealer has caused stress, anger and ensured she'll never use them again. I hope she's going to do everything possible to share her experience with as many people as she can.
The dealer's fked this up royally - bunch of scummers.
Harsh...but fair. I also agree that she may need to fight them again - as others have pointed out it wouldn't surprise me if they deducted the amount of the service from the settlement before sending it on.
This should NEVER have required her GAP insurance to pay out - it's nothing to do with them imo. The dealer's insurance should have paid out whatever they were going to and the dealer should then have topped it up to the value it would cost her to replace the car like-for-like (or offered her the one from stock which would've probably been nearly cost-neutral to them).
Instead the terrible behaviour from the dealer has caused stress, anger and ensured she'll never use them again. I hope she's going to do everything possible to share her experience with as many people as she can.
The dealer's f
ked this up royally - bunch of scummers.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff