Sold Car Declared Cat C

[Noger]

daemon said:

Welshwonder said:

Someone is telling porkies... For the OP's insurance company to declare it a write off, an assessor would have had to see the car. They don't do damage assessments over the phone! New owner is clearly trying to pull a fast one.

+1

'writing off' is a finance / accounting term - ie, the car was declared beyond economical repair, therefore it was written off as a total loss. The car would then be sold off as salvage.

If it hasnt been through that process, then it cant be 'written off'

Damage assessments *are* done over the phone, well, the internet anyway.

Declaring the total loss of a vehicle is pretty simple, you just update MIAFTR. Nothing to do with accounting or finance. Yes, the whole process is longer, but the Cat C marker is easy.

It should be pretty simple to find out when MIAFTR was updated, it will be on HPI too.

A possible explanation is that another insurer has mistakenly updated the wrong vehicle. There was a thread ages ago where this had happened.

[Countdown]

Noger - surely MIAFTR is completed by a competent Vehicle Examiner acting on behalf of an Insurance Company ?

[playalistic]

Tyre Tread said:

Sounds like the guy who bought it is a bit of a sap.

I suggest you need to get to the root of the issue or tell him to pith off.

Any attempt to seek recompense will be in vein and will go against the grain of justice.

I can see no releaf for either of you if he continues to get on your twig.

Perhaps you could branch out into selling damaged cars but it may not be fruitful as many people will go nuts and bough out when they discover they are not up to scratch but others may be Oakay with it.

I seriously just Lol'd at this

[blindswelledrat]

Countdown said:

How ??

Afaics the OP's insurers have had nothing to do with the car. They haven't even examined it let alone paid out on it so how can they write it off.

Hence the word "error". Someone posted on page 2 an indentical story where someone in the insurance company had accidentally listed thier car after discussions about an accident.

countdown said:

That aside, OP sold the car six weeks ago, car was written off 3 weeks ago, after it had left the OP's ownership.

Somebody's playing funny bu66ers but I don't think it's the OP.

Or neither. The OP is clearly not being dishonest, and if the car is suddenly registered I find it highly unlikely that it has anything to do with the new purchaser hence mistake seems like the likely answer

[Noger]

Countdown said:

Noger - surely MIAFTR is completed by a competent Vehicle Examiner acting on behalf of an Insurance Company ?

Not directly, "hairy arses" don't often get let loose on computers They might prod a tablet with a finger now and again. Most are in house. And the less hairy ones don't get mucky, they look at pictures, and have admin staff to do the updates if required.

Most admin staff have access, you need it for Stolen Unrecovered etc where an HA isn't involved.

In an ideal world the HA enters the PAV and repair estimate into their tablet on site, and submits it, the computer does the rest.

In the real world the HA shouts it down the phone to the admin clerk, and things muck up.

[Marty Funkhouser]

My insurers never inspected the car, in fact, when told of what had happened they couldnt get rid of me fast enough and told me 3 times that the car was no longer covered against theft until the windscreen had been replaced.

I am about to get a cheque from the company that owned the land on which the tree grew - would that have prompted the cat C categorisation?

[rallycross]

Marty Funkhouser said:

I am about to get a cheque from the company that owned the land on which the tree grew - would that have prompted the cat C categorisation?

Dont see how it would.
How did you manage to get a check from the owner of the Tree?

[blindswelledrat]

Marty Funkhouser said:

My insurers never inspected the car, in fact, when told of what had happened they couldnt get rid of me fast enough and told me 3 times that the car was no longer covered against theft until the windscreen had been replaced.

I am about to get a cheque from the company that owned the land on which the tree grew - would that have prompted the cat C categorisation?

I doubt it, unless it is for the full value of the car in which case I think they technically buy the title from you.
In fact, having written that I don't doubt it. I think perhaps you have even sold a car that isn't yours?
QUite an interesting saga this

[Chrisw666]

Marty Funkhouser said:

My insurers never inspected the car, in fact, when told of what had happened they couldnt get rid of me fast enough and told me 3 times that the car was no longer covered against theft until the windscreen had been replaced.

I am about to get a cheque from the company that owned the land on which the tree grew - would that have prompted the cat C categorisation?

You did better than me then. Though finding out who owns a tree in the middle of the Normandy countryside proved highly awkward.

[Marty Funkhouser]

blindswelledrat said:

I doubt it, unless it is for the full value of the car in which case I think they technically buy the title from you.
In fact, having written that I don't doubt it. I think perhaps you have even sold a car that isn't yours?
QUite an interesting saga this

I gave them (a well know national superstore) all the facts including that I had already sold the car privately before they offered me the money.

To be fair they've been absolutely superb about it all - they had no real need to give me anything, legally I had to prove their negligence in order to win a claim in court.

[blindswelledrat]

Fair enough.
Interesting scenario.
Out of interest did they pay you the full value of the car, or the value less what you had sold it for?
No idea whetehr this makes a difference, just curious.

[Marty Funkhouser]

blindswelledrat said:

Fair enough.
Interesting scenario.
Out of interest did they pay you the full value of the car, or the value less what you had sold it for?
No idea whetehr this makes a difference, just curious.

I told them I'd got £750 for the car and that I'd bought it for £1800, they've offered me £1050.