Heya, Sorry completely forgot about this, the engineer saw the fault and confirmed it was the same as the last fault. I told him I didn't want him to repair it as we are rejecting it based on the above and he said that is fine and will make a note. Called up AO the next day to confirm what the engineer had said in his report and they agreed to come and remove the machine and refund, in the end I ended up paying a bit extra and said to them to put the refund towards the Samsung we decided on and when that was delivered this was lifted. Still going till this day. Cheers

Hello and welcome to CAG. Sorry to hear about your problems with Junction City Cars, we have other threads about them that you might have seen. If not, you can do a search on their name in the white search box in the red strip at the top of this screen. If you'd like advice from us, please tell us your story. Best, HB

I have updated my thread that was linked above if you want to see the outcome.

I think it could be these people, BF. It seems to me we've had threads about them before. https://ao.com/ HB

Chances are at some point in your driving career you will be involved in an accident, there are some things you can do to make it a less painful process. Spend a few pounds and buy the following, a disposable camera, a couple of pens, a notepad, a tape measure and a torch. Put them in a small bag and tuck them away somewhere in your car, do not remove them when cleaning out your car! In the event of an accident take photo's, take a few brief measurements, sketch the position of the vehicles, include any road markings etc, make a note of the other person's name address and vehicle make and model and registration number. Also look around and see if there were any independent witnesses (other drivers that stopped to help or passer's by) and get their name address and phone number. Even if the accident was your fault DO NOT admit liability, by all means confirm to the other driver the circumstances (ie I admit you were stationary and I drove into you etc BUT DO NOT admit liability or sign anything to say you were at fault). If anyone is injured you must call the police, if you suspect the other driver is intoxicated call the police and state this (stressing why you feel that ie smells heavily of alcohol, is slurring words, cannot walk straight). Complete your claim form as soon as possible and include everything you noted on the night. Taking photo's at the scene is a great way to deter the other party from changing their story at a later date, so get them developed and send them in as well. If the accident was your fault and you think it's only minor damage to the other vehicle that you would rather pay out of your own pocket rather than lose your no claims discount I would still suggest you let it go through your insurance. You have a duty to notify them of all accidents anyway so let them sort it out, you can always reimburse them for their outlay and protect your no claims discount (it's a no claim discount so if you reimburse them you have not made a claim), this will deter the chancers who inflate the repair costs or try and sneak other things into the bill, plus it's a good idea because in a few months time the other person may claim injuries and that could be expensive if you are dealing with the matter personally. Keep a copy of everything you fill in (claims form etc), letters you send etc. If the accident was not your fault you will probably have uninsured losses, ie the excess on your own policy, recovery charges, cost of repairs, hire of alternative transport, telephone costs, stationery costs, time spent reading and replying to letters, out of pocket expenses, personal injuries, pain suffering and By and large the \'harship\' provision in the FSA waiver is a myth which is intended to create a sense that the banking industry is sufficiently well-intentioned to act fairly towards its customers even though their right of access to the courts has been blocked. In fact there are very few guidelines as to procedure and very little definition of \'hardship\'. One unfortunate spin off is that many people in difficulty get their hopes up and go to considerable lengths to plead hardship to their bank in order to get a refund or partial refund of their bank charges only to be refused. Neither the courts nor the FOS have the power to order a bank to make a charges refund on the basis of hardship. We hear of some people obtaining a partial refund quite easily. Others have obtained money by being very persistent - but mostly we hear that people are refused. Even benefits claimants do not automatically receive hardship refunds. By all means try to get a bank charges refund on the basis of hardship - but don\'t bank on it!, loss of earnings, loss of enjoyment, damage to goods or personal property damaged in the accident etc etc. Make a list of everything, get receipts where possible and itemise each seperate item of claim. (Some of the above won't be applicable if you have comprehensive insurance). One phrase that keeps coming up after a motor vehicle accident is 'Knock for Knock', a lot of people use it but few understand EXACTLY what it is. Knock for Knock is an agreement between certain Insurance Companies NOT to recover their outlay, it in NO WAY reflects liability. Let me explain....... In any given year there will be a number of accidents between people insured with Insurance Company A and people Insured with Insurance Company B. Sometimes it will be the fault of Company A so Company B will write to Company A and ask for their money back, other times it will be the fault of Company B and Company You can\'t take it with you when you die! will write asking for their money back. Insurance Companies realised that they spend a lot of time and money writing to ask for money back whilst at the same time they spend a lot of money sending money out to other Insurance Companies so they started keeping records to see how much money in any given year they paid out to Company X and how much money they received back from Company X. If the two amounts are fairly close then they set up a knock for knock agreement, which means that each Insurance Company pays for the repairs to their own Insured's car (providing they are fully comprehensive policies) and neither Insurance Company pursue the other for the cost of repairs to their own policyholder's vehicle. Knock for Knock exists simply to save the Insurance Company time and money, under a knock for knock claim the policyholder who was not responsible still pursues the other party for their uninsured losses and if successful will not lose their no claims discount. Knock for knock does NOT exist between all Insurance Companies, only those whose records show that they pay out roughly the same as they get back from. The only reason Knock for Knock exists is to save Insurance Companies time and money sending/claiming money back from other Insurance Companies, it has nothing to do with liability. A policyholder CANNOT state that an accident will not be dealt with under the knock for knock agreement because it has NOTHING at all to do with the policyholder, the accident or liability. TEMPLATE LETTERS If you are unlucky enough to be involved in an accident there are some letters that you will probably need to write. This isn't a definitive list, I'll add more template letters to it as and when time allows, here's an index of what is so far included INDEX 1 - First letter to third party (if you have Fully Comprehensive insurance) 2 - Second letter to third party because of no response to first letter (if you have Fully Comprehensive insurance) 3 - Third letter to third party because of no response to first two letters (if you have Fully Comprehensive insurance) 4 - First letter to third party insurers (if you already knew their details) 5 - First reply to third party insurers 6 - First letter to third party (if you have third party insurance and your car is still driveable) 7 - First letter to third party (if you have third party insurance and your car is immobile) 8 - If your car is a write off and you are not happy with the valuation/offer That's basically all you need to say at this stage, what should hopefully happen then is the third party will pass that letter on to their insurers and they will write to you asking for you to detail why you are holding their policyholder responsible and what you are claiming for. This letter will hopefully get you a reply from their motor insurers. That's all you need to say at this stage, there is no point detailing acts of negligence or listing your uninsured losses, when you receive a positive response from them they will probably ask you to do that. Letter 8 If your car is a total loss and the valuation your receive is less than what you were expecting or thought your car was worth then you can dispute it. A common myth is that an insurer will always offer you a low valuation so never accept it on principle. That is totally false, insurers base their valuation on what an engineer or assessor has valued the car at and also on a recognised source (Glass's Guide etc), however they don't always get it right. Another common myth is that people look in magazines or on garage forecourts and see a similar car and think the advertised price is a true reflection of the value of their car. It isn't. An advertised price is there to start the negotiations, it may allow for a part exchange or it may allow for a discount to be given to a cash buyer, so don't assume that the price you see another similar car advertised at is the value your car is worth. Another common myth is that if you have recently spent a lot of money on getting your car through an MOT or on a set of brand new tyres etc that you have increased the value of your car by that amount. You haven't actually increased its value at all, all you have done is spend the required money to keep it road legal. Assuming you still dispute the valuation then you ned to send a letter like this.... If you are insured third party the offer from the other insurers will state the value of the salvage and it will deduct that amount from their offer because it is your responsibility to dispose of the salvage, and that is the value you should get from a local breakers yard. If you are Fully Comprehensive the offer will make no such deduction because your insurers will arrange disposal of the salvage, however if you want to retain the salvage yourself then you need to add a paragraph to the above letter saying something like this.... I would be obliged if you would advise me of the value of the salvage as I am considering retaining it, I appreciate that this value will be deducted from my settlement cheque. If you can't find a template letter here that suits your needs drop me a PM and I'll add one when I get the time I'll add more template letters to this thread when time allows to show you what to say to the other person's insurance company. Mossy