This is a long, and confusing situation however I'll try explain it best I can.
I bought my car last year privately it was a good buy, 38K miles on the clock 2004 1.2 Dynamique. Had little service history but didn't bother me too much as I didn't have enough money to be picky when it came to buying a car.
I did an HPI check when I bought the car - £10 of good money spent checking the history and it came out completely clear so I went ahead with the purchase, got the car, insured it, drove off happy. Received the V5 document a week later and couldn't be happier with the little car I had purchased.
I flew it through the MOT this year, now with 45K miles, I still thought my car could fetch decent enough money so I went to put it on Autotrader - oh no, Autotrader disallowed the sale as it was listed as a Cat A. I was furious, hoping this was a mistake I paid for another HPI check and lo and behold, the car was written off in 2011 as a Cat A, pulled a few strings, phoned a few companies and it was actually a Cat C, and now have the scrappage marker and the Cat A completely removed from the MAIFTR database (or whatever it is).
I then phoned my previous insurance company, who did some research in to what happened during last year, they came back to me the next day and told me this: "Your car was not written off at the time when you insured it, as we personally do HPI checks on all cars that are insured with us. It was updated as written off June/July 2013 by RSA as being written off in 2011".
I called RSA and they simply said "you've been very unlucky and to take my loss" (for however little I can sell the car for now). Where do I stand? I've bought a car which I've thought was fine and then half a year later was written off 2 years after the accident had even occurred - I even had a completely clear V5 document which didn't say there had been any accident damage what-so-ever.
What can I do? Do I seek legal advice, or so I just bite the bullet?
Edit: Oh, and now I also have to spent £41 on a VIC check along with taking a few hours off of work to do it! Agh.
I bought my car last year privately it was a good buy, 38K miles on the clock 2004 1.2 Dynamique. Had little service history but didn't bother me too much as I didn't have enough money to be picky when it came to buying a car.
I did an HPI check when I bought the car - £10 of good money spent checking the history and it came out completely clear so I went ahead with the purchase, got the car, insured it, drove off happy. Received the V5 document a week later and couldn't be happier with the little car I had purchased.
I flew it through the MOT this year, now with 45K miles, I still thought my car could fetch decent enough money so I went to put it on Autotrader - oh no, Autotrader disallowed the sale as it was listed as a Cat A. I was furious, hoping this was a mistake I paid for another HPI check and lo and behold, the car was written off in 2011 as a Cat A, pulled a few strings, phoned a few companies and it was actually a Cat C, and now have the scrappage marker and the Cat A completely removed from the MAIFTR database (or whatever it is).
I then phoned my previous insurance company, who did some research in to what happened during last year, they came back to me the next day and told me this: "Your car was not written off at the time when you insured it, as we personally do HPI checks on all cars that are insured with us. It was updated as written off June/July 2013 by RSA as being written off in 2011".
I called RSA and they simply said "you've been very unlucky and to take my loss" (for however little I can sell the car for now). Where do I stand? I've bought a car which I've thought was fine and then half a year later was written off 2 years after the accident had even occurred - I even had a completely clear V5 document which didn't say there had been any accident damage what-so-ever.
What can I do? Do I seek legal advice, or so I just bite the bullet?
Edit: Oh, and now I also have to spent £41 on a VIC check along with taking a few hours off of work to do it! Agh.
