Any point complaining to Financial Ombudsman re:Car Valuation?

artbaron

You've got book price for a private sale. That means you could take the money and go out and buy another one, probably in better condition than yours. What is it you're complaining about?

atrixblue.-MFR-.

i think the main sticking point for the OP is not attachment to the car perse but the heavy deduction for what seems is wear and tear, drastically reducing the value of the car.

FOS wont involve themselfs with a valuation despute unless there is a final statement, OP never received such statement and when one is despatched by the FOS it will carry the period of 6 months from date of FINAL STATEMENT and FOS can intervien, OP never recieved a cheque either, so a cashed cheque angle from the insurers cannot be sought as they never sent her one so they expect her to give up her car, and expect nothing in return.

if the OP wishes to repair it, then its upto her, not anyone else wish more people would fight a decision like this instead of having the perverbial finger shouved up their A$$ and shafted out of pocket.

OP is entitled to a second opnion on valueation minus accident area, she needs to ask the inurers to authorise it then take it to her choice of repairer for a valuation and accident repair.

dacouch

The credit hire costs have probably exceeded the value of the car which will be interesting for the other parties Insurer as the car seems to still be drive able

NurseMoneySaver1122

atrixblue.-MFR-. wrote: »

i think the main sticking point for the OP is not attachment to the car perse but the heavy deduction for what seems is wear and tear, drastically reducing the value of the car.

FOS wont involve themselfs with a valuation despute unless there is a final statement, OP never received such statement and when one is despatched by the FOS it will carry the period of 6 months from date of FINAL STATEMENT and FOS can intervien, OP never recieved a cheque either, so a cashed cheque angle from the insurers cannot be sought as they never sent her one so they expect her to give up her car, and expect nothing in return.

if the OP wishes to repair it, then its upto her, not anyone else wish more people would fight a decision like this instead of having the perverbial finger shouved up their A$$ and shafted out of pocket.

OP is entitled to a second opnion on valueation minus accident area, she needs to ask the inurers to authorise it then take it to her choice of repairer for a valuation and accident repair.

Thank you, thank you, thank you!!! You have took the words right out of my mouth, and put it even better than I could have. You are correct with every single part of your comment. I can't even add anything to that. So I thank you for reading my posts, as they were intended, and for your constructive advice

dacouch

atrixblue.-MFR-. wrote: »

i think the main sticking point for the OP is not attachment to the car perse but the heavy deduction for what seems is wear and tear, drastically reducing the value of the car.

FOS wont involve themselfs with a valuation despute unless there is a final statement, OP never received such statement and when one is despatched by the FOS it will carry the period of 6 months from date of FINAL STATEMENT and FOS can intervien, OP never recieved a cheque either, so a cashed cheque angle from the insurers cannot be sought as they never sent her one so they expect her to give up her car, and expect nothing in return.

if the OP wishes to repair it, then its upto her, not anyone else wish more people would fight a decision like this instead of having the perverbial finger shouved up their A$$ and shafted out of pocket.

OP is entitled to a second opnion on valueation minus accident area, she needs to ask the inurers to authorise it then take it to her choice of repairer for a valuation and accident repair.

All correct however the OP made an official complaint in September, as RS has pointed out you generally have to have six months after receiving the response (or final statement as you're referring to it as) to the complaint to go to Ombudsman

rs65

You got a letter with a FOS leaflet prior to the 17th Sept 2012.

What did that letter say?

atrixblue.-MFR-.

rs65 wrote: »

You got a letter with a FOS leaflet prior to the 17th Sept 2012.

What did that letter say?

from what i gather it was an offer, not a final response letter, all or most companies send out FOS leaflets so that they know their rights when rejecting the offer of accepting the offer or making a complaint, such a letter is not a final statement/response letter, untill you climb the ladders of complaints proceedure and a member of complaints management team has issued a final response/statement.

rs65

The leaflet can of course be sent any time but has to be issued with the final response.

dacouch

atrixblue.-MFR-. wrote: »

from what i gather it was an offer, not a final response letter, all or most companies send out FOS leaflets so that they know their rights when rejecting the offer of accepting the offer or making a complaint, such a letter is not a final statement/response letter, untill you climb the ladders of complaints proceedure and a member of complaints management team has issued a final response/statement.

If you send in a letter that is marked "Complaint" or could reasonably be construed as a complaint then the Insurer is obliged to treat it as a complaint. They would then investigate and send their final response and a leaflet explaining the Ombudsman.

Thems the rules the Insurer are obliged to play by. Churchill sister company DL had a extremely large fine about handling complaints. They're likely to be very on the ball on abiding by the FSA's rules on handling complaints