Saturday 2 September 2023

The Voice - Consumer's Voice

Must I pay him?

On the 6th August around 9 am I parked by the shops and one guy came and parked behind me. When I wanted to go out there was no space and which resulted in me scratching his car below the plate number. The guy took me out of the scene while waiting for police because he was called by his friend who is a police officer. I was charged and paid the fine. Now the guy wants me to pay him money for insurance of even the damage of the car is not the one on his quotation.

Unfortunately I don't think I can give you any good news. This is what happens when the victim of a collision has insurance and the guilty party doesn't. The victim will have submitted an insurance claim and the insurance company will have paid the costs needed to repair the vehicle, except an amount they call the 'excess'. This is a relatively small amount the insured person pays towards the repair costs.

The bad news is that the guilty party isn't the one the insurance policy protects. That's just the policy holder, the one paying for it. Now the insurance company will want to get back the money they lost when they paid the repair costs and it's you they'll approach to get it from. The other bit of bad news is that the owner of the damaged vehicle is also entitled to demand their excess payment back from you.

However, it's only fair that the amounts they demand from you are reasonable and correct. I think you have a right to see the invoices from whatever repair shops they approached to make sure you're being charged a fair price for the repairs and not being exploited. If you like I can contact the insurance company for you.

Can I get anything back?

Kindly looking for help just recently bought a second hand car from a pawn shop in Maun. On Thursday afternoon then the following day which is Friday morning it started to show more problems mainly the engine and those problems were not mentioned and the guy knew about the problems. I was denied to test drive the car, they got me to pay P15k for car before leaving the yard.

I called them yesterday to asking for help but they say said they can't help me with anything. What I really wanted was for them to reduce the price of the car so that I can get the engine fixed or buy a second hand engine from the spare shops.

Please help me.

The first important point is that you can't trust these people. Anyone selling a car that doesn't allow you to test drive it has something to hide. It doesn't matter if it's an individual, a car dealer or a pawnshop, if they're too scared to let you inspect the vehicle they're keeping something from you. Something you need to know. The lesson is simple. Only ever buy a car you've test driven or which comes with a written, dated, signed guarantee that it's in working order.

The second important thing here is that these guys are regulated. I suggest that you contact both the Competition and Consumer Authority and NBFIRA, the Non-Bank Financial Institutions Regulatory Authority who oversee pawn shops and ask both bodies to take a look at this company. I think NBFIRA will be particularly interested because the company name you gave me doesn't appear on their current list of pawn shops.

These guys seem more and more shady. It's time they explained themselves.

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