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just found out i driving a cat b write off

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Comments

  • #92
    MarkR
    Moderators, Regional Midwest Moderators Posts: 11,284 Mod ✭✭✭✭MarkR


    If it was in a major accident, surely there should be visible signs of repair work that could be spotted by the mechanics / panel beaters who've seen the car?

    If there is no sign of damage, then are you sure it's not a cloned car? Car stolen in UK somewhere, then they put on the reg of scrapped car and sell it off in Ireland?

    Did you check to see whether the various VIN's match?


  • #93
    MugMugs
    Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Hi OP.

    What I would do in your case is start by running a "Gold Check" on your car. Call experian and request they run this for you (for a charge) They should be able to tell who or when the wrote the vehicle off. These guys are VERY easy to deal with.

    If you can obtain the date the car was written off then have a MID Check run on it for that date. This should give you the Insurance company and their reference. You can then call the insurer and see what they will give you. Be warned that they are VERY aware of Data Protection and quite scared of it so may not give you much but without breaching the same should be able to tell you WHY the car was written off. If they refuse t speak to you, ask the MIBI to write to them and request the details of the claim. They CAN do this. IF this all fails, my next stop personally, would be the UK Police Force because this is effectively fraud.


  • #94
    lady fifi
    Closed Accounts Posts: 23 ✭lady fifi


    all vn number match

    no sign of damage on outside but iv put a lot of work inside it .. the mechanics have found no welds , mis alignments , it all perfect looking to them and there has been a few different ones working on it over the yrs!!

    it resting in a crash repairs garage at mo.. iv told them story and they have examined it closely ....

    it a puzzel

    keep smiling or else you could cry:)


  • #95
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    OP, follow MugMugs advice :)





    MugMugs wrote: »
    Hi OP.

    What I would do in your case is start by running a "Gold Check" on your car. Call experian and request they run this for you (for a charge) They should be able to tell who or when the wrote the vehicle off. These guys are VERY easy to deal with.

    If you can obtain the date the car was written off then have a MID Check run on it for that date. This should give you the Insurance company and their reference. You can then call the insurer and see what they will give you. Be warned that they are VERY aware of Data Protection and quite scared of it so may not give you much but without breaching the same should be able to tell you WHY the car was written off. If they refuse t speak to you, ask the MIBI to write to them and request the details of the claim. They CAN do this. IF this all fails, my next stop personally, would be the UK Police Force because this is effectively fraud.


  • #96
    MarkR
    Moderators, Regional Midwest Moderators Posts: 11,284 Mod ✭✭✭✭MarkR


    lady fifi wrote: »
    all vn number match

    no sign of damage on outside but iv put a lot of work inside it .. the mechanics have found no welds , mis alignments , it all perfect looking to them and there has been a few different ones working on it over the yrs!!

    it resting in a crash repairs garage at mo.. iv told them story and they have examined it closely ....

    it a puzzel

    keep smiling or else you could cry:)

    Very strange. Hopefully there was some kind of gigantic cock up, and the wrong vehicle was scrapped? I'd go with MugMugs suggestions for the time being. You're not going to get any farther here without some outside help.


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  • #97
    lady fifi
    Closed Accounts Posts: 23 ✭lady fifi


    thanks mugs will start on that avenue now !!

    il keep ya posted


  • #98
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,788 ✭✭✭✭galwaytt


    MarkR wrote: »
    Very strange. Hopefully there was some kind of gigantic cock up, and the wrong vehicle was scrapped?

    ....indeed, a distinct possibility.

    I had a situation a few years ago where I bought a Renault in the UK, had it inspected by AA for about £200 iirc, and vehicle came back as clean, good. HPI check however, showed up as a damaged vehicle - so got on to AA about it and they re-checked it, and the paper trail and found..........that the record was wrong.

    'My' vehicle did have a personal plate on it when I bought it, and that plate had been used on a previous vehicle which WAS in a damage claim. When the new vehicle (the one I was buying) came in to being, the private plate was transferred to it (and so, unwittingly, the damage 'history' ). The car itself was proven to be fine.

    Just 'cos you're paranoid.........doesn't mean they're NOT out to get you ! :p

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #99
    the_syco
    Registered Users, Registered Users 2 Posts: 37,316 ✭✭✭✭the_syco


    lady fifi wrote: »
    but iv put a lot of work inside it
    What work have you done to it inside it? If you list it, someone may see a pattern, and deduce the reason for the cat b.


  • #100
    lady fifi
    Closed Accounts Posts: 23 ✭lady fifi


    alot of work,

    it only when i look back and add it all together .. i nearly rebuilt the car from first thing was new clocks and ecu , shocks, droplinks front stableizer, alternator belt , new engine , it has been to diagnositc expert a few times and the usual 4 new tyres, water pump, timing belt, wipers

    is what i can recall at mo
    everytime i got something done , i would have spent so much money and hoped it was last thing, then something else would go , so much has been done to this car ...

    please god !:p


  • #101
    Bigus
    Registered Users, Registered Users 2 Posts: 4,957 ✭✭✭Bigus


    the_syco wrote: »
    What work have you done to it inside it? If you list it, someone may see a pattern, and deduce the reason for the cat b.



    Sounds like flood

    However she still hasn't ruled out that the identity of the cat b hasn't been changed over to a stolen car of the same spec and colour ?


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  • #102
    mickdw
    Registered Users, Registered Users 2 Posts: 23,910 ✭✭✭✭mickdw


    Bigus wrote: »
    the_syco wrote: »
    What work have you done to it inside it? If you list it, someone may see a pattern, and deduce the reason for the cat b.



    Sounds like flood

    However she still hasn't ruled out that the identity of the cat b hasn't been changed over to a stolen car of the same spec and colour ?
    it does sound like water damage. Would make sense with the numbers checking out etc.


  • #103
    lady fifi
    Closed Accounts Posts: 23 ✭lady fifi


    yes flood damage........well done bigus !! top marks to you:D


    again thanks to motorcheck...and his hard work on my behalf ,has found out that it is flood damange ....


    now i need to decide what route to follow, first i will go get engineer report, and hope that all the work that has been done to it makes it road worthy , i have been talking to assess ireland and they have been very helpfull and easy to talk to ..

    mug mug has made another sujestion so will stew over all this new information see what next!! :confused:


  • #104
    mickdw
    Registered Users, Registered Users 2 Posts: 23,910 ✭✭✭✭mickdw


    Great for you to get an answer finally. Its a better outcome IMO than it being a cat B crash repair and certainly a better outcome than it being a ringer.

    Hope you can get some clarification re the legal / insurance situation relating to it being on the road.


  • #105
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    lady fifi wrote: »
    alot of work,

    it only when i look back and add it all together .. i nearly rebuilt the car from first thing was new clocks and ecu , shocks, droplinks front stableizer, alternator belt , new engine , it has been to diagnositc expert a few times and the usual 4 new tyres, water pump, timing belt, wipers

    is what i can recall at mo
    everytime i got something done , i would have spent so much money and hoped it was last thing, then something else would go , so much has been done to this car ...

    please god !:p
    Bigus wrote: »
    Sounds like flood

    However she still hasn't ruled out that the identity of the cat b hasn't been changed over to a stolen car of the same spec and colour ?

    Well done indeed, I wouldn't have guessed at flood damage from that list :)


  • #106
    Bigus
    Registered Users, Registered Users 2 Posts: 4,957 ✭✭✭Bigus


    Thanks the give away was the list of work combined with experts saying it hadn't any Structural damage repaired.

    Previously I was talking to an auto electrician about why flooded cars get written off and he said the biggest problem with flood damage is the the copper wiring under the plastic outer casing turns black in the whole loom.

    This causes continuity problems aswell as lots of block connectors suffering from corrosion over time.

    If the Lady fi fi can get the car insured i think sticking with it at this stage is the most economical an honest solution.

    Fair play to the Auction for spotting this before it caused problems for an innocent third party. They are obviously on the ball.

    I do like the protections at auctiion re; title, finance, handing over payment, getting proper receipt,etc as against buying privately and much prefer to get cars this way particularly in the UK and to a lesser extent here.


  • #107
    mickdw
    Registered Users, Registered Users 2 Posts: 23,910 ✭✭✭✭mickdw


    Bigus wrote: »

    I do like the protections at auctiion re; title, finance, handing over payment, getting proper receipt,etc as against buying privately and much prefer to get cars this way particularly in the UK and to a lesser extent here.

    All very valid points. It is quite scary to go out now and hand over thousands on a private sale even taking the greatest care. Even with history check, are you guaranteed that there is no finance outstanding?


  • #108
    listermint
    Registered Users, Registered Users 2 Posts: 34,410 ✭✭✭✭listermint


    mickdw wrote: »
    All very valid points. It is quite scary to go out now and hand over thousands on a private sale even taking the greatest care. Even with history check, are you guaranteed that there is no finance outstanding?

    In fairness if you do all the necessary checks background / physical / mechanical you effectively are doing all the checks and auction house would do.

    Suffice to say someone should be able to spot an engine transplant and all the associated changes that the original OP required. I dont lay down thousands to anyone without being personally satisfied about the vehicle and its history.


  • #109
    Gophur
    Closed Accounts Posts: 1,921 ✭✭✭Gophur


    Bigus wrote: »
    .........

    Previously I was talking to an auto electrician about why flooded cars get written off and he said the biggest problem with flood damage is the the copper wiring under the plastic outer casing turns black in the whole loom.

    This causes continuity problems aswell as lots of block connectors suffering from corrosion over time.

    .............

    Copper wire turning black does not cause continuity problems. Water ingress is not good for electric connectors, but once they are dried out there should be no problem. Sealed wires will not absorb water.

    Where water and electrics is problematic is at connector level and circuit level, which looks to have been addressed already.


  • #110
    mickdw
    Registered Users, Registered Users 2 Posts: 23,910 ✭✭✭✭mickdw


    listermint wrote: »

    In fairness if you do all the necessary checks background / physical / mechanical you effectively are doing all the checks and auction house would do.

    .

    You are missing my point slightly. Sure, you can do the same checks as the auction house and you will get the same results however if outstanding finance was later discovered and you lost the car, the auction people would cover this via their insurance whereas with a private sale, you are f*cked.
    UK auctions work in this way anyway.


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