Car Written Off - Lousy Deal from LV

AdrianC

RedditchResident said:

AdrianC said:

RedditchResident said:
LV paid what they considered my car to be worth some time ago.

Ah, so the claim was actually closed back in August...?
You sort of forgot to mention that bit.

Read the thread.  The question was specifically asked and answered.  

I didn't recall seeing that - and, looking back through the thread, I still don't see it. Perhaps you'd be so kind as to point me to it?

Anyway, now we know this...
You accepted the settlement. The claim is closed. You cannot go back and get a second bite at the cherry.

You now have two choices.
1. Accept that it's a done deal, and get on with your life.
2. Stress yourself into an early grave over £700.

I know which I'd be doing.

RedditchResident

AdrianC said:

RedditchResident said:

AdrianC said:

RedditchResident said:
LV paid what they considered my car to be worth some time ago.

Ah, so the claim was actually closed back in August...?
You sort of forgot to mention that bit.

Read the thread.  The question was specifically asked and answered.  

I didn't recall seeing that - and, looking back through the thread, I still don't see it. Perhaps you'd be so kind as to point me to it?

Anyway, now we know this...
You accepted the settlement. The claim is closed. You cannot go back and get a second bite at the cherry.

You now have two choices.
1. Accept that it's a done deal, and get on with your life.
2. Stress yourself into an early grave over £700.

I know which I'd be doing.

It was the van guy who asked whether I had accepted it and I answered him.  If you read the original post you should gather that I have already written this off.  "...nowhere to go..." are the words I used.   I think it helps others to make sure this kind of theft, for theft is what it is, gets an airing. 

Did I mention that it was LV who swindled me.  In case I didn't, let me just mention again, the dodgy insurance company at the heart of this case is LV.    Swindlers and highway robbers.  (From one of the posts it sounds as though Direct Line are a bunch of  fraudsters too.)

neilmcl

RedditchResident said:

Oh dear.  They cornered me into accepting 1800 with 'proof' that they had a perfect replacement and offers to extend the loaner long enough for me to get cleared funds and pick it up.  They rang before 8 in the morning.  You guys from the industry will know the tactics better than me.  Over the ensuing weeks I found out the hard way that the car couldn't be replaced for 1800 and so complained.  It was in the course of correspondence that I learned they actually had a valuation of 2500 from the guides.  

I think we are starting to go round in circles here.  I am answering the same questions repeatedly.  Its clear that I am also dealing with insurance industry representatives in the main.  

And there we have it. Always comes to this when a new poster doesn't doesn't get the answers they want to hear.

williamgriffin

RedditchResident said:

williamgriffin said:

RedditchResident said:

Oh dear.  They cornered me into accepting 1800 with 'proof' that they had a perfect replacement and offers to extend the loaner long enough for me to get cleared funds and pick it up.  They rang before 8 in the morning.  You guys from the industry will know the tactics better than me.  Over the ensuing weeks I found out the hard way that the car couldn't be replaced for 1800 and so complained.  It was in the course of correspondence that I learned they actually had a valuation of 2500 from the guides.  

I think we are starting to go round in circles here.  I am answering the same questions repeatedly.  Its clear that I am also dealing with insurance industry representatives in the main.  

So you accepted the £1800 and now you want to backtrack?

Hard to figure out where you are coming from.  You hop from one accusation to another, ignoring each response while you cook up the next allegation.   I didn't mitigate.  I caused the problem in the first place.  I got turned over and raised a complaint when I discovered so now I am 'backtracking'.    You are not an impartial observer that's for sure.   I will not be replying to you further.  

Oh you're one of those are you? Don't agree with you so I must work for LV.

williamgriffin

RedditchResident said:

AdrianC said:

RedditchResident said:

AdrianC said:

RedditchResident said:
LV paid what they considered my car to be worth some time ago.

Ah, so the claim was actually closed back in August...?
You sort of forgot to mention that bit.

Read the thread.  The question was specifically asked and answered.  

I didn't recall seeing that - and, looking back through the thread, I still don't see it. Perhaps you'd be so kind as to point me to it?

Anyway, now we know this...
You accepted the settlement. The claim is closed. You cannot go back and get a second bite at the cherry.

You now have two choices.
1. Accept that it's a done deal, and get on with your life.
2. Stress yourself into an early grave over £700.

I know which I'd be doing.

It was the van guy who asked whether I had accepted it and I answered him.  If you read the original post you should gather that I have already written this off.  "...nowhere to go..." are the words I used.   I think it helps others to make sure this kind of theft, for theft is what it is, gets an airing. 

Did I mention that it was LV who swindled me.  In case I didn't, let me just mention again, the dodgy insurance company at the heart of this case is LV.    Swindlers and highway robbers.  (From one of the posts it sounds as though Direct Line are a bunch of  fraudsters too.)

I see no theft what have LV dishonestly taken from you?

RedditchResident

neilmcl said:

RedditchResident said:

Oh dear.  They cornered me into accepting 1800 with 'proof' that they had a perfect replacement and offers to extend the loaner long enough for me to get cleared funds and pick it up.  They rang before 8 in the morning.  You guys from the industry will know the tactics better than me.  Over the ensuing weeks I found out the hard way that the car couldn't be replaced for 1800 and so complained.  It was in the course of correspondence that I learned they actually had a valuation of 2500 from the guides.  

I think we are starting to go round in circles here.  I am answering the same questions repeatedly.  Its clear that I am also dealing with insurance industry representatives in the main.  

And there we have it. Always comes to this when a new poster doesn't doesn't get the answers they want to hear.

  This forum has two categories of respondent, ordinary punters like me and a bunch of industry guys.  The industry guys don't want to answer on the facts.  Why did LV value the car at 700 below guide?  Their guides, not mine.  No answer.  Am I obliged to accept a car with no service history as replacement for a car with manufacturer service history?  No answer.  Am I obliged to accept a car with no warranty as replacement for a fully maintained car.  No answer.  The ordinary punters see my side of the story.   I rest my case neilmcl.  

williamgriffin

RedditchResident said:

neilmcl said:

RedditchResident said:

Oh dear.  They cornered me into accepting 1800 with 'proof' that they had a perfect replacement and offers to extend the loaner long enough for me to get cleared funds and pick it up.  They rang before 8 in the morning.  You guys from the industry will know the tactics better than me.  Over the ensuing weeks I found out the hard way that the car couldn't be replaced for 1800 and so complained.  It was in the course of correspondence that I learned they actually had a valuation of 2500 from the guides.  

I think we are starting to go round in circles here.  I am answering the same questions repeatedly.  Its clear that I am also dealing with insurance industry representatives in the main.  

And there we have it. Always comes to this when a new poster doesn't doesn't get the answers they want to hear.

  This forum has two categories of respondent, ordinary punters like me and a bunch of industry guys.  The industry guys don't want to answer on the facts.  Why did LV value the car at 700 below guide?  Their guides, not mine.  No answer.  Am I obliged to accept a car with no service history as replacement for a car with manufacturer service history?  No answer.  Am I obliged to accept a car with no warranty as replacement for a fully maintained car.  No answer.  The ordinary punters see my side of the story.   I rest my case neilmcl.  

You're finding that VW service history on a 13 year old car is only of value to you. Only you're deciding an out of warranty car with main dealer history is worth more. The market and buying public disagre  with you. 
Maybe they're wrong but they ain't stressing over it like you.

neilmcl

RedditchResident said:

neilmcl said:

RedditchResident said:

Oh dear.  They cornered me into accepting 1800 with 'proof' that they had a perfect replacement and offers to extend the loaner long enough for me to get cleared funds and pick it up.  They rang before 8 in the morning.  You guys from the industry will know the tactics better than me.  Over the ensuing weeks I found out the hard way that the car couldn't be replaced for 1800 and so complained.  It was in the course of correspondence that I learned they actually had a valuation of 2500 from the guides.  

I think we are starting to go round in circles here.  I am answering the same questions repeatedly.  Its clear that I am also dealing with insurance industry representatives in the main.  

And there we have it. Always comes to this when a new poster doesn't doesn't get the answers they want to hear.

  This forum has two categories of respondent, ordinary punters like me and a bunch of industry guys.  The industry guys don't want to answer on the facts.  Why did LV value the car at 700 below guide?  Their guides, not mine.  No answer.  Am I obliged to accept a car with no service history as replacement for a car with manufacturer service history?  No answer.  Am I obliged to accept a car with no warranty as replacement for a fully maintained car.  No answer.  The ordinary punters see my side of the story.   I rest my case neilmcl.  

Always the first sign when a poster has nothing to back up their argument and is merely here to rant is to start accusing fellow members of being in bed with, or employed by, the companies/industries they have an issue with. We see here it all the time, and with that I'll leave you to it.

AdrianC

RedditchResident said:
Why did LV value the car at 700 below guide?

I'm going to take a wild guess at the fact it was leggier than Longleat's giraffe enclosure.

The price guides don't just give a figure for "a 57 plate diesel Eos". They give prices for different specs. They give adjustments for options. They give adjustments for mileage.

The main guides are industry-only, which means I don't have access to them (what with not being in the industry...). 
Without registering, so not having access to the fine detail - and guessing at your precise spec - Parkers give a dealer price of £1430-1660 with 140k, so a bit less with 150k.
https://www.parkers.co.uk/volkswagen/eos/coupe-cabriolet-2006/20-tdi-cr-2d/86/free-valuation/

GrumpyDil

OP 
Just one observation is that insurance companies offer settlement figures. When they do that they will offer the lowest figure they think that they can get away with. 
If you'd chosen to reject the initial offer they likely would have come back with a higher figure.
Unfortunately it sounds like you accepted the first offer so really have no comeback.
Lousy deal - possibly but they didn't do anything wrong from the perspective of an insurance company. Their job is to settle a claim for the lowest cost they can.