My Reply to Direct Line

As promised, here is my repost to Direct Line concerning their apology of sorts and offer of 200GBP compensation.

Chris Moat
Direct Line Insurance plc
3 Edridge House
Croydon
CR9 1AG

Tuesday July 9th 2007

Dear Chris,

I have received and considered your reply and offer of 200GBP ‘compensation’ for my trouble over the past 12 months. However, the offer of 200GBP barely covers this last month’s loan repayments on the car, a car that your company have made impossible for me to use for a year.

Your claim that you are not liable for the depreciation of the car, for the storage of the car and for the loan I have repaid this last year is in error. The sole reason I have been paying for the vehicle and did not sell it in 2006 is because you negligently paid out the wrong person on the car, after it had been recovered, and subsequently placed a marker on the vehicle claiming that Direct Line were now the legal owners. This was YOUR error, an error that I have been paying for ever since, and am STILL paying for today.

Your offer of 200GBP is woefully unacceptable, derisory and offensive. Obviously I must decline your insulting offer as it doesn’t even cover the MOT, TAX and Insurance for the vehicle, which was all in place this time last year.

You have admitted that you made a mistake in not attempting to find out who the legal owner of the vehicle was, and in ignoring my efforts to relay to you the facts. You were defrauded by Mrs Jamieson when she illegally claimed that she was the owner of the vehicle in order to extract money from you when you were both aware that Royal & Sun Alliance were liable for the loss of the vehicle.

Your colleague Ray Harper has already admitted his disgust at the actions of your company with regards to dealing with this case, and that his intentions in passing the case to Chloe O’Driscol were for you to find in my favour. This of course you did not do. I genuinely feel that I had I not brought the financial ombudsman into the equation you would still be withholding my V5 and insisting you had a legal claim over my vehicle.

I should advise you also that I record all of my phone conversations as a matter of course and in the public interest reserve the right to broadcast any of them as the evolution of this claim has long since descended into farce.

I reiterate my desire to be fully compensated for the depreciation of my car, the storage for the car and for the loan repayments I have made on the vehicle while it was unable to be used as a direct result of your actions.

If this matter is not resolved satisfactorily by August 1st it will be passed to the financial ombudsman as Direct Line have been incompetent, negligent and have in my opinion, acted illegally.

I look forward to your reply.

Kind Regards

Darren Jamieson

Darren Jamieson, aka MrDaz, is the Technical Director and co-founder of Engage Web and has been working online in a career spanning two decades. His first website was built in 1998 and is still live today.

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