Anti social neighbours written off car, what is the housing associations responsibility

NameUnavailable

Firstly, have you got legal protection with your car insurance? If so, have you spoken to them to see what they can suggest?

Failing that have these neighbours got a car? Have you got a child (or can you 'borrow' a child) who would like to, I don't know, get to work on their car with some spray paint, screwdrivers, rocks? Give them a taste of their own medicine - then you can both laugh it off together as 'oh, children, what can you do!'.

Sunsaru

NameUnavailable said:

Firstly, have you got legal protection with your car insurance? If so, have you spoken to them to see what they can suggest?

Failing that have these neighbours got a car? Have you got a child (or can you 'borrow' a child) who would like to, I don't know, get to work on their car with some spray paint, screwdrivers, rocks? Give them a taste of their own medicine - then you can both laugh it off together as 'oh, children, what can you do!'.

Naa thats too obvious. You want to do little things like 'remove' the windscreen wipers... Day/weeks later, rear number plate. Little things to wind them the <bleep> up....

GDB2222

teachfast said:

GDB2222 said:

teachfast said:

GDB2222 said:

teachfast said:

Small claims for uninsured losses is your only means to reclaim anything at all here. An added bonus is this will cause the family significant issues and may just possibly encourage some future parental responsibility; but probably not.

You are going to sue a five year old?

No, the parents, for uninsured losses.

Why just the uninsured loss, and not the whole loss? 

The fact that the parents are not liable is a small detail, I suppose.

https://www.inbrief.co.uk/child-law/child-accidents-compensation-liability/

My understanding is that if you can demonstrate negligence on the part of the parent, then they can be held liable. But I am sure an actual lawyer will rock up and answer to that shortly. Of course, if it's a conveyancing solicitor they may get around to it after golf a week on Thursday... Possibly. 

You could always read that link I provided?

teachfast

GDB2222 said:

teachfast said:

GDB2222 said:

teachfast said:

GDB2222 said:

teachfast said:

Small claims for uninsured losses is your only means to reclaim anything at all here. An added bonus is this will cause the family significant issues and may just possibly encourage some future parental responsibility; but probably not.

You are going to sue a five year old?

No, the parents, for uninsured losses.

Why just the uninsured loss, and not the whole loss? 

The fact that the parents are not liable is a small detail, I suppose.

https://www.inbrief.co.uk/child-law/child-accidents-compensation-liability/

My understanding is that if you can demonstrate negligence on the part of the parent, then they can be held liable. But I am sure an actual lawyer will rock up and answer to that shortly. Of course, if it's a conveyancing solicitor they may get around to it after golf a week on Thursday... Possibly. 

You could always read that link I provided?

Which says precisely what I am suggesting. You could always read it in full before posting it?

Tokmon

Smellyonion said:

Around 6 doors down, the is family renting from a housing association. These are your typical nightmare HA neighbours. their feral kids play with rocks, they make mess etc.
Our car was so damaged by one of their children (aged 5) to the point that it was written off. It included scratching all of the drivers slides panels, drawn a stick man on one door, dents all over the drivers side panel, chips on windows. The damage was estimated at 3.5k. 
We spoke to the dad who because very defensive, shouting it wasnt his kids then one of his own children admitted it. The mother said that the kids which said it was their kids were snitches - yes this is the type of people. He then said that he would get it fixed. Since then, despite sending letters, there has been no attempt made. We decided to go through insurance, the police, the HA.
The insurance wrote it off, the police we just got a incident number and the HA has washed their hands.
I am fuming because this will cost us literally hundreds of pounds in excess and increased premiums. Not to mention the horrid amount of effort and inconvenience. The insurers want their rental car back and we have no other vehicle as we haven't received anything for the value of the previous car. These neighbours have had literally zero repercussions for their actions, the claimed it was children and just a car, how these people cannot feel embarrassed or sorry or responsible for their children is shocking.

I absolutely cannot allow these *** to get away with it but I have approached all 3 options and the HA said that there is nothing they can do? We know they have caused issues in the past and have had other complaints against them. How can the HA not take any action? We do I stand outside of taking them to court - they will unlikely pay anything as they are those types of people.

Why haven't you yet received the payout for the car being written off? I thought they would pay that before they ask for the rental car back.

Also if i was in your position i would just buy the car back and use it as it is with those kind of neighbors about just incase something else happens to the car again.