SAPFO

Sorry one not replied, school hols kept me busy. So I had a chat about the £5600 valuation, they were insistent on telling me it's a "mid-book" policy and a fair offer. I told them as advised above I wanted to appoint my indepedent engineer. They said they'd find out, and get back to me. They filed a complaint, and I was passed onto someone else. Call centre bot #2 rings, giving me the same blurb as the last one, not mentioning what I'd previously requested about appointing my own engineer. The offer this time was £6037. I told them I still own the car, and would like access to it to have to assessed myself. He said it had been looked over twice as was their legal requirement apparently if I complained, I then requested the 2 engineers reports. He had to admit that there was only one report done. The report came 2 days later (today), and had the wrong angle of impact. They had it as head on, where it was actually glancing. The report also stated it was assessed with only pictures provided by the salvage company CoPart, who by the way, have offered the insurance £859 for it. The email with the engineer report also came with an increased offer of £6308. Time to settle you think?

yes, me and the woman were fine. It was her birthday, and the 2nd birthday in succession someone has hit her. "fair bid?" Not following there mate The excess is 650, they will also take the remaining policy payments, another 600, so they really are trying to pay me as little as possible.

Paying 3500 now.

I've learned a valuable lesson I tell you. They could probably make what they are paying me stripping my car. So them telling me it's a "mid-book" policy is just them trying to bend me over? Do you think they will send a 2nd engineer, or just blagging?

Yes it was. Blind junction I was edging out of. Pics https://ibb.co/mNpg6T https://ibb.co/cvXq0o https://ibb.co/kyn16T

Wrote my car/taxi off last week. Skoda Super Estate Elegance spec. Heated F&R etc.. 60 plate. 108k on clock. Paid 7k retail in Sept. Firstly, I didn't think damage was that bad, and I wanted to buy it back, however, they reckon their engineer says it's a Cat S, and that I cannot buy it back, and that is in my policy. The day after the crash they had CoPart collect it, which got my whiskers twitching. Anyway, they have offered me £5600. They say this is 'mid book', and my policy is a 'mid book' one. What do you reckon? I did say no, and they 'say' they are sending a 2nd engineer. remember, its a taxi policy, but not done many miles on it. No better place to ask than car dealers, so thanks in advance, I appreciate your time to help. I'll post a pic

Asians tend to follow the money, so there must be some to be made. And the sheepkskin has now been replaced by the bubble coat

Brum. There is s stretch of the A38 in North Brum that is full of main dealers, along with sub maybe 5 3/4k plots. I noticed most of them closed at the same time a few years back, which at the time was weird, but now I believe that must have been the effect of the CRA2015 right? Some of these plots are now filling up again, but most being Asian now. One I saw and thought I'd love that plot has now been taken over by a Romanian carwash.

I know it ain't all rosy. And I wouldn't be in it to make a fortune. Just a steady living being my own boss, or to top up the pension pot moving a couple per month, maybe higher vaue. Where would you say the cut off in price is for a home trader?

Castle Bromwich Birmingham had hundreds of MOD last week. And there is always Lex on when I've gone

I have found myself wondering who the feck he's looking at at times I'll be honest. I've got a mate as I've previously said who does trade to trade, small margins, and fast paced. He was telling me the guy he's had a 60k Range Rover off for 56k, + 2 BMW's in the teens this week, also has loads of low priced 03/04 Lexus & X5 type stuff. Maybe I should dip my toe in and go through a whole purchase & sale. Problem is they are a few hundred miles away. I'll know more next week about that

Why do they do that?

Nah, by the main counter. Thats how I've been doing it in my head. What would I pay, see where it goes. Thing that had me the first few times was thinking cars had sole, only for 80% of them to be back on 2 days later. How many times will the seller pay the entry fee?

Somethings just sprung into my mind that happened down the auction. There are 2 places where people usually stand/sit. On the stairs (newbies etc) , or outside the door (usually experienced people as you'll know). Both cannot see each other. The other day I noticed a lad stand where he could see both positions. I remember the auctioneer saying to the lad "no standing here today mate"....

I'm nowhere near buy to let yet, but I always though the idea of putting 20/30k into something to x 4 it over 20/25 years was a good investment long term. It's not like you are paying the mortgage every month. And I know you do have the downside, trust me, I've rented privately enough before I finally got on the ladder. I've probably sat in around 8 or so different auctions now and not bid on anything yet. As it happens, the other day I seen an old school mate who was working at the auction and deals with dealer finance. The auctioneer came over while were were chatting, so hopefully the link is there to not scam me when I do make a move. The other week the yard manager left a set of keys on the roof off a motor too. I quietly went over to him and told him. I get a handshake every time I go into the yard now. Little things like that can make the experience easier right? Not sure I've mentioned this, but the 2nd job is fackin Uber. Well, it would have been this weekend had I not put the council sub committee meeting as the 9th on myth planner instead of 7th when it actually was. Got to wait until July 18th at least now. Stop being so negative. I'm miles away from what'd id like to do, but why not try and plan 10 years ahead? If I can get a buy to let in for example 10/12 years, that could be a nice lump to take be through my 60's/70's. I started to plan to get on the ladder at my lowest point after a job loss during the credit crunch, and 8 years later I was on the ladder. Oh, and I bought car last night because it just popped up cheap while I was pricing a stand up punch bag on Gumtree! It's an 03 Silver 206cc. 82k, leather. 2 months MOT. Hood works fine. Drives fine. Airbag light on. You wouldn't have it on your patch as it is thats for sure. Needs 3 tyres & a drop link. £200. Now, I wouldn't mind keeping this for the lads footy trips overt the summer, as it just me and him on these trips and it'd be nice in the summer with the roof down, but where is the line I need to be aware of between personal use & dealer? There is a good chance I'll sell this before I go on holiday in August while the suns still out.