Jayden1994
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Everything posted by Jayden1994
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I've agreed the cost of 150 for my repairs with my assessor who doesn't need to inspect my vehicle anymore and is compiling the report as we speak and is simply waiting for arriva to handle the liability aspect. When they are liable I will be reimbursed via bank transfer and agreed this with my assessor and arriva transcare themselves who handle the overall case. I have requested footage which I will have within 10days apparently and now I am waiting for the driver to either admit liability or not and then arriva will have to look into the footage if he doesn't. Thanks all.
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Yep you're right I'll call them up and request it.
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is that something I am allowed to request? I think as it only happened last night everything is still being processed and or being sent to whoever needs to have said info.
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Yea well as I said above I need my car in shape for friday so I am getting it repaired myself this sunday and will seek reimbursement once they admit liability. The timing was horrible for this so whatever happens from this point happens I guess.
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From what I've explained regarding the scenario. Who is at fault/liable? Surely the bus driver?
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Well as said above I need this for the end of next week so I've just organised my private mobile repairer to sort it out this sunday for me for £100. I have rang arriva multiple times and sent over pictures of said damage already which they have forwarded to their engineer to "speed up the process" and save him the time of coming to visit me. So I have been complying and to be honest £100 is ridiculously cheap once they accept liability.
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Well he'd only charge me about 100-200 for that repair of which I'll forward to them... I don't feel they'd have a problem with that amount?
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I understand. I have a private repairer who usually comes to my home to repair this sort of stuff. Would I be able to get him to handle this for me and ask for a receipt or something that I could forward to arriva for reimbursement? Thanks
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Hi all, Not sure If I'm posting in the right section but just wanted to get peoples opinion on this. Last night I was queuing behind a couple cars to turn right at a set of lights, Bus comes along in the left hand lane going ahead and decides to completely scrape my passenger side wheel arch as he does and continues to drive on. I drop someone off whom was in the car and go looking for the driver as I briefly saw his face in his side mirror when the incident happened and the bus number etc. I find him and get him to give his details over which he wasn't hesitant to do at all and he gives me this Arriva card with all details needed on. I've reported this to Arriva and forwarded images on to them of which I'll show you. I'll post the turning where I was hit here as well as I want other peoples opinion that I am in no way liable as I cannot see how I could possibly be. I have informed arriva that I have a wedding to attend end of next week where I will be driving the bride and I need my car restored by then. Here are the lights it happened at: https://imgur.com/a/BnRBmcd The snippet is a good example of my own situation. I am the VW polo waiting to turn right and the bus in the left was the bus going ahead except he got too close to my stationary car and scraped me. Here are the damages to my vehicle: https://imgur.com/a/yX94noq Let me know what you guys think. Thanks
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XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Morning all, All points mentioned above from bulgaria and my own from my word document outlining my dispute with XS Direct have been forwarded to an Ombudsman. My FOS Investigator was unable to give me a time frame on how long till an Ombudsman will reply so I guess it's just a waiting game now. -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Thanks, Appreciate it. I already replied to her but I will chuck her another response with the above as it is a much more simplistic and condensed way of getting my point across. I forwarded my word document that I linked you all here months ago which included my dispute against XS Direct. -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Hi all, So this is the reply I got from my FOS Investigator https://imgur.com/a/DS93Svy. I guess now we wait... Any idea how long the ombudsman will take to reply and should I outline any further key points to her to refer to the ombudsman? Hope you're all well. Cheers. -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
With your route I have to go down the court route and be ready to handle all that hassle and inconvenience to ones life. W I understand. In your opinion you feel once the ombudsman comes back to me with his/her response I should let it run till they decide to take me to court, If they do. Would you mind briefly explaining in layman's terms what a tomlin is if you don't mind? Here was my reply to my FOS Investigator today - https://imgur.com/a/0rlFhHZ -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Yea I can't have a CCJ on my file and if going court will lead to that then I can't take that route. Guess I'll have no choice but to offer minimal payments. What If I offer something lower e.g. £10-£20, they have no right to ask for a set amount do they or even somehow find out details on what money I earn and how much? I don't assume anyone has any experience where the offer was so minimal every month they just scrapped the debt entirely. btw @dx100uk why do you think they wouldn't be able to "get any more out of me" in court in comparison to outside of it? Cheers -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Yep pretty bad response, feels like everyone is just trying to fob me off. I will request it to be elevated as you say and outline the key points you mentioned above to her to make sure she forwards these to the ombudsman. I'll let you all know. Thanks. If worse comes to worse and the ombudsman doesn't uphold this either, what is my next step really? Is it what we spoke about a while ago with negotiating repayments with XS Direct or is there any other way? Thanks. -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Hi all, Finally had a response from my investigator. I will attach her full response within this post. She feels that as she is part of the FOS it is not really their place to get involved with how the business (XS Direct) is structured and mentions the FCA but she also mentions how they do not take on individual complaints either. I have till 30th April to raise this to an ombudsman which I will of course but I'm not sure where this will leave me if the ombudsman agrees with my investigators decision too. My FOS Investigators response below I still cannot afford such a horrendous debt and feel it would be a huge injustice. What do you guys think? Hope you are well. Kind Regards adjudicator.pdf -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Just for some clarification to my previous post. My FOS Investigator has now redirected my complaint to Calpe Insurnace as mentioned above and clarified to me that they are responsible for the structure of XS Directs policy of which my dispute is directly aimed at. I was told 2 weeks ago we should be expecting a reply anytime now, haven't heard from them as of yet so we will wait to see. -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
Jayden1994 replied to Jayden1994's topic in Motor Insurance
Morning all, Quick update on the case. XS Direct have been emailing here and there every 2 months or so asking for payment etc. I have been constantly referring them back to my FOS Investigator and telling them the case is still under dispute etc. I assume they got fed up of taking my word for it and actually got in touch with my FOS Investigator and sent her their final response to my dispute to XS Direct in an attempt to proceed with what they want. In turn the investigator has got in touch with me finally after going missing for a while and reading through the word document I linked here previously and told me she has redirected the complaint to the underwriters of XS Direct known as Calpe Insurance and mentioned she expects a reply from them within 2 weeks. Now I do not know If I'm being naive or not but I have replied explaining to her how I do not understand why the complaint has been redirected to the underwriters (Calpe Insurance) when the very case I raised was directed at how XS Directs policy is structured, the debt obligation, potentially life ruinous debt leading to depression etc as mentioned above by someone else. XS Direct had simply fobbed me off with their final response by saying my complaint should be directed to Insure Your Motor which was false and had already been done. I will await to hear from her and see what her thoughts are on the matter. Either way I will continue to dispute and won't stop until this has been resolved one way or another. Very sad to hear that story from Sanderson and its the very reason I'm disputing this much and have dedicated this much time to this in addition to obviously saving myself a lot of stress and hard times but also so that others can see this and not make the same mistake or rather the FOS can realise this really is a digusting policy used to lure young drivers who need to get insured at a reasonable price in and traps and punishes them the very first time they make a mistake, which for most new drivers is inevitable. Anyways hope you are all well. I will keep you updated. Kind Regards -
Yep as expected it was rejected on standard grounds that I should have remembered to call in and pay etc, they disregarded my previous good history with them. Thanks anyways all.
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Just submitted my appeal based on mitigating circumstances and explained everything we've discussed within this thread. Will keep the thread updated with the outcome for anyone interested. Thanks again to all who chipped in.
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Ok thank you. I have until the 24th to submit my appeal so I will do so within reasonable time before then. I will be entirely honest and explain what happened and explain how I have always paid my CC immediately through auto-pay etc and hope that the individual on the receiving end is understanding...
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Ok I'll give it a shot. If I do appeal and it is rejected for whatever reason will I lose the discounted payment they are offering me for £65 if I pay within 14 days? Thanks again.
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Ok, I think I'm following. I need to submit an information request to the TFL so that they can disclose whatever routes I can take to appeal this PCN? Is that correct? Its quite a bit of information for someone inexperienced to take in...
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I'll still give it a shot then. Yes I set up autopay before posting this thread. Thanks to everyone for the advice so far. Hi Mr Green, I appreciate the link and I guess you are telling me to request the same from TFL as Mr Bianco did? From reading through it a couple times I don't exactly understand what the situation was... Excuse my inexperience in these matters. Any chance for some clarification?
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Recently purchase being a month ago but I haven’t gone into London with it let alone a CC zone hence why I slipped up but yea I will just be honest with them and ask for a chance to rectify the situation considering my previous excellent record with auto payments within the CC zone etc. Thank you guys. If anyone else has any ideas or suggestions I’d love to hear them. Regards
