aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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long story sorry,
i owned a saxo vtr about a year ago and it was "stolen" (basterds) the insurince company offered me 5g i bought the car from a,clark 2 months beforefor 6 1/2g ,so i told them no i wanted more they told me that basicly it wasnt my car so i didnt really have a say in the matter (who do they think they are p.s the car was never found) about a year later today i receve a letter from the finance company(the only once i've herd from them) telling me i o them 3g to be paid in 1 lump sum, WELL KISS MY ASS ,anyone know the best way to basicly sa fuck off
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gsi-gaz
Member
Registered: 23rd Mar 03
Location: st helens
User status: Offline
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WRITE FUCK OFF IN A LETTER!
EASIEST 
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nik
Member
Registered: 19th Jun 00
User status: Offline
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explain in english? you bought a stolen car or your car was stolen?
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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it was stolen fae me i paid 6 and a 1/2 g fae arnold clark
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nik
Member
Registered: 19th Jun 00
User status: Offline
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They will only pay out the average rate for a car of that year/miles, if it's below that I'm sure you can try haggle. Do you still owe the finance company money then or did ya pay it off at the time?
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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the insurince must have sent them 5g and now the finance want the rest fae me just now (including intrest)
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purple_corsa_gls
Member
Registered: 25th May 04
Location: Near Sunderland
User status: Offline
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Did you not get some kind of insurance protection on your finance where if it is stolen and the insurance pay out for the depreciated cost, then it will be written off/found another way? i thought the majority came with this kind of thing on?
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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so did i , i also thought this was all sorted as i never herd from the companys involved so lots of paper work in bin, help
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Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
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simple answer is to ring up the insurance company and find out what they done. then ring the finance company and ask them to explain
no point get worked up about it till you find out all the details
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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just emailed the finance company with the detales i have basicly telling them its unexceptible
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MarkW
Member
Registered: 19th Mar 04
Location: Orpington, Kent
User status: Offline
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quote:
Originally posted by aceman
just emailed the finance company with the detales i have basicly telling them its unexceptible
i'd be ringing them m8 - emails are easy to ignore - a phone they have to pick up......
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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i'll wiat for a while before i phone
this is the bottem line and it says
____________________________
there all arseholes
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purple_corsa_gls
Member
Registered: 25th May 04
Location: Near Sunderland
User status: Offline
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Bottom line of your email?
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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should have been, the top line asswell
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purple_corsa_gls
Member
Registered: 25th May 04
Location: Near Sunderland
User status: Offline
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Did you do a spell and grammar check 
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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thats gold star shit mate im working up to that level but a while yet
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Clarify for me - you had it stolen?
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purple_corsa_gls
Member
Registered: 25th May 04
Location: Near Sunderland
User status: Offline
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quote:
Originally posted by Ian
Clarify for me - you had it stolen?
I think he bought it for 6.5k and had it stolen, ins company only offered 5k, so he has to pay balance to finance inc interest. thats the way i understood it.
Does anyone know where there are any online translators for the members that are from scotland?
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Carly
Member
Registered: 21st Aug 03
Location: sheffield
User status: Offline
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your gonna end up having to pay them,or getting taken to court,they're not gonna give a flying f*ck how much your insurence payed out,u will have to pay them the rest of the money off,its harsh but you do owe it them,however much interest they've charged you 
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I'm inclined not to have much sympathy if this is the case.
Regardless, unless the difference in equity is covered using gap insurance then the car may be worth less than you owe. Thats just maths and will have been explained in policy documentation.
Was the car less than 1 year old?
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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when i bought the car it was nearly 3 years old
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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If you didn't have gap insurance, you're pretty much screwed.
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Red_SXi
Member
Registered: 23rd Sep 02
Location: Dunstable Drives: 52 Plate BMW 3 M Sport Coupe
User status: Offline
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My financial help would be to check how much insurance is going to give you for your car, and how much finance is left oweing before you get someone to pinch it
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aceman
Member
Registered: 11th Jun 04
Location: scotland
User status: Offline
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thats what im saying this all happened 1 year ago the insurince gave the finance company 5g when the car was valued at 6 and 1/2 g(i know you dont always get what you value it at but i didnt drop 1 and a 1/2g in 3 months)now 1 year later the finance company say they offered me a settlement figure and now my time is up and they want the rest of the money,i havent herd from any of them for about a year
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