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Everything posted by Araf

  1. I bought some diodes and that's as far as I've got, so far. Was it really two years ago. Welcome to the forum.
  2. I thought it better not to say anything about the picture, until Stuart had a copy. Now I can add that I can see that head being shrunk and added to lots of new pictures in the future.
  3. Try sticking it through a bit of pineapple and cheese, and you'll soon find the limitations.
  4. This ^^^^ has always worked. I think people are making money from over-engineering the cocktail stick.
  5. Please get a price for the damage to you your mirror. Even if you are not going to replace it, at least half of your mirror cost will lower the amount you will be contributing towards the other party's mirror. Also, be very sure of the story as you weren't there. A work colleague had a guy go to his house spitting feathers over the work colleague reversing into the guy's wife's car and then trying to say it was her fault. Once the colleague told him where the accident actually happened, that he was waiting to turn right when she hit him, that there was a witness to the accident and also showed the damage to the colleagues car (which didn't match the story the guy had been told), things calmed down. All because the guy's wife didn't want to be in the dog house over an accident.
  6. Ours still haven't worked out how to open the milk though.
  7. My roof is always covered in cat hair but as it's from one of our cats, I have no reason to complain. People have found pepper to be a good deterrent, in the past. I've never worked out how the cat is supposed to use the mill, without thumbs though....
  8. Sad to hear Patt, so I hope you get sorted quickly enough. Regarding the finance on your car, if you sell to a trader then they are normally very happy to work with finance companies. The way it works is you agree a price for the car, you get a settlement figure for the finance, the buyer pays the finance company. The finance company confirm to you that they have received the settlement figure, then the dealer gives you the balance between the finance settlement and the agreed price for the car. Private buyers can often be put off by finance. In these instances it may be better to get a personal loan to cover the finance, sell the car without finance on it, then pay off the loan. If you can sell within a 28 day period and pay the loan back, you shouldn't get charges at all from the bank for the loan. Banks don't like telling people about this clause though.
  9. Good find. I've made it a sticky for you.
  10. It used to be the case that the premium went down. I'm with Purdie on this. Maybe it's a question that you should put to one of the insurance brokers on the forum in their sponsored areas?
  11. Yes. I bought the diode. It's got to wait until after my service, Christmas time, but then I'll see what I can do.
  12. I've just read that this is to credit card, and yes, this can take a while. You need to remember that most merchant accounts with credit card machines are set up so that money comes in easily but refunds need to be scrutinised to stop employees siphoning off funds from the merchant.
  13. Ah, the Admiral. It took me 18 months to get satisfaction from another part of that group (Diamond) and then only after intervention from the ombudsman. Good luck, and I'm guessing that you are now realising that cheapest isn't always best. BTW, the anecdote above about the Monaro was will Bell - another Admiral subsidiary.
  14. Are we talking about across borders too? If so, this can take a few days and receiving banks will know nothing about it even though the funds have left the trading country.
  15. They will if you really stamp your feet. A Monaro owner did just this by getting his insurer to give him two quotes, then he went to the other party's insurance company, quoted the claim and asked for an additional £300. The first year was difficult but after they coughed he told them to expect his call in a years time.... He did some track days with us, so I'm sure he's registered here as Liam1986.
  16. No, the insurance ombudsman is there to mediate and from personal experience I know that they do take a rational look at all of the facts before making their ruling. It is rare that an insurance company will go against the decision but either side still have the option of taking it to court. As for their bibles, they know who Autotrader are. Give them details for similar cars and see if they can negotiate them down to the CAP figures. I would echo most of the above. Threaten the insurance company with the big stick of taking on a like-for-like hire car until they settle to your satisfaction. Give your own insurance company a kick up the backside too, as they should be fighting your corner, not making you have to do it.
  17. Yes, £4200 is an insult but the insurance company are not expecting you to say "too much" when they offer you £7k. I'd start off at £6k for yours and let them haggle you down. As for the salvage, if you have space then have it back off them. They don't have to give all to any preferred agent they have working for them, and until you settle the car is still yours.
  18. Thanks. I need that too, as one of mine is in the wrong place and so the carpet drifts.
  19. It is now. I can't blame it on you being new around here so I'll have to put it down to age. Cheers @Gutley
  20. I'll see what power I can pick up from the switch and which bulbs work when.
  21. Not really a help as I'm trying to pick up the sidelight rather than the fog.
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