General Discussion: The life advice thread. Never do, say, eat or drink anything without asking how to do it in here first!


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zappa1903
zappa1903 avatar

483 posts since 26/8/14

19 Oct 2017 05:59
Need a little help on behalf of a friend and was wondering if anyone can help or give advice. Basically what happened was she put her car into the garage for a minor repair on the brakes and was offered a courtesy car for the day. She is from Thailand and English (especially reading) is not her strong point. When she was in the garage she was asked to sign a loan agreement in which she took responsibility for the courtesy car but did not fully understand it. When I spoke to her it seems she was pressured into signing this agreement and the details were not fully explained. Later she damaged the car which she takes responsibility for and was purely accidental. When she returned the car they asked for her insurance details so the car could then be fixed. After contacting the insurance company they came back and said that it will not pay out as its not covered in her policy so she now faces a £1400+ repair bill.

I feel that she never understood the agreement and the garage did not explain the agreement to her properly. I feel she was pressured into taking the car which she didn't really need and was told to just sign her name rather than getting someone who understood it to explain it to her. I believe she was told the car would be covered if anything happened to it as the car she took in was under insurance.

Thoughts? Or just suck it up and pay for the damage
illwill
illwill avatar

4142 posts since 17/5/04

19 Oct 2017 08:42
Why would a garage pressure someone to take a courtesy car that they didn't want?

They're not making any money from it.
andymakesglasses
andymakesglasses avatar

20613 posts since 26/1/06

19 Oct 2017 09:50
illwill wrote: They're not making any money from it.

Presumably they're the ones quoting a £1400+ repair bill.
illwill
illwill avatar

4142 posts since 17/5/04

19 Oct 2017 10:36
Hoping someone dings the courtesy car seems like a pretty unreliable revenue stream Laughing out loud

Get a solicitor to have a look at this document she's signed if you want to help. You'll probably find that it's a load of bullshit drawn up by the boss and not binding.
zappa1903
zappa1903 avatar

483 posts since 26/8/14

19 Oct 2017 15:34
Obviously they dont 'pressure' people into getting a courtesy car in the hope the scrape a bit of it, but upon looking at it the agreement what has been sent back there seems a lot of money making to be made from a late return, the fuel etc. It's more they never asked her to read it when she obviously didn't understand it and just sign your name and everything is ok attitude. Stupid on her behalf yes and unlucky that in 15 years of driving never has any considerable damage to a car apart from this day
edlo
edlo avatar

639 posts since 13/9/14

posted 19 Oct 2017 16:06, edited 19 Oct 2017 16:06
I think given she did willingly sign the contract you have to hope there's something wrong with it hence the lawyer shout
zappa1903
zappa1903 avatar

483 posts since 26/8/14

19 Oct 2017 16:09
Ok thanks, worth going to citizens advice before a solicitor then?
illwill
illwill avatar

4142 posts since 17/5/04

19 Oct 2017 16:47
Yes, definitely. They often have trainee or pro-bono solicitors on staff.
beardywierdy
beardywierdy avatar

720 posts since 8/1/13

19 Oct 2017 19:52
The courtesy car will be covered under the hirers insurance. But they usually have quite a high excess, so they offer Collision Damage waiver, which is an extra premium you pay to greatly reduce any excess you would normally pay as a result of a fault accident. She may have signed to confirm that she did not want CDW hence the larger proportion she has to pay towards the repair bill.
jogon321
jogon321 avatar

710 posts since 13/4/12

posted 19 Oct 2017 20:16, edited 19 Oct 2017 20:16
It's not a hire car though. It's a courtesy car supplied by the garage, it's pretty standard that your own insurance covers you while using that car while yours is being repaired. Have had courtesy cars before when having warranty work/accident damage done and every time the insurance has had to be on my own personal current insurance.
I don't think it's a way to make money, more a service for the customer. BMW for example like lending out cars so they can get people to try out new or different models that they can hope to sell to them in the future but obviously have to cover the costs if these get damaged too.
beardywierdy
beardywierdy avatar

720 posts since 8/1/13

20 Oct 2017 06:57
Unless specified in your policy conditions it’s unlikley that you would be covered for a courtesy car. If you have a driving other cars extension (hire cars are often excluded) this might cover the driver for third party liability, but the driver would still have to pick up the tab for the damage caused to the courtesy car. It’s the same as any vehicle, if it’s your fault and you damage it, you pay the excess.

It doesn’t matter whether it’s a hire/courtesy car.
Mancunia
Mancunia avatar

840 posts since 29/10/12

20 Oct 2017 15:14
Was struck off my dentist list for missing appointments but then persuaded my dentist personally to let me come back on the list. After having a check up two months ago I needed to come back and see her today but fucking forgot and she just called me. Pretty embarrassed as it's an hour slot too Oops

She's super nice and despite missing again has agreed to re-book for another time.

I'm looking to buy her a gift of some sort for when I see her again, any ideas? I know its pretty vague as I don't know much about her but anything would be great. Cheers.

nothingelseworked
nothingelseworked avatar

3564 posts since 21/2/10

20 Oct 2017 15:24
This'll work^
Mancunia
Mancunia avatar

840 posts since 29/10/12

20 Oct 2017 15:33
Perfect haha
illwill
illwill avatar

4142 posts since 17/5/04

posted 20 Oct 2017 18:11, edited 20 Oct 2017 18:11
Flowers and/or champagne.

You're looking for a token rather than anything too personal.
beardywierdy
beardywierdy avatar

720 posts since 8/1/13

20 Oct 2017 20:01
Yes, nothing too personal, otherwise it’s a bit creepy
FrIEND
FrIEND avatar

13672 posts since 27/11/03

20 Oct 2017 22:40
Packet of crisps I reckon
themistake
themistake avatar

10847 posts since 20/2/06

21 Oct 2017 06:36
sorry but since when are flowers and champagne not personal?
I'm pretty sure they are gifts that are associated with the most personal of events. Valentines/birthday/weddings/life events.

Mate, move on. She's a fucking dentist not your girlfriend.
Crackajack
Crackajack avatar

8008 posts since 21/4/05

21 Oct 2017 09:09
themistake is right, you will look like a right stalker/weirdo. Are you going to sit in the waiting room with a bouquet
swede
swede avatar

9980 posts since 21/3/09

21 Oct 2017 13:01
Mancunia wrote: Was struck off my dentist list for missing appointments but then persuaded my dentist personally to let me come back on the list. After having a check up two months ago I needed to come back and see her today but fucking forgot and she just called me. Pretty embarrassed as it's an hour slot too Oops

Laughing out loud