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My car may be a write-off, but my bills aren’t

When Lucia’s car got flooded, she contacted her insurer straight away. However, as she failed to fill in the right forms, she ended up paying for repairs that the insurer wasn’t willing to pay for.

Lender misrepresents settlement agreement

A lender agreed they made a mistake when assessing loan affordability and offered to settle the complaint. But what happens if the lender also makes a mistake when explaining the settlement offer?

Consequential loss not covered

Mohammed wanted to claim for consequential loss when a leased vehicle was out of action when it was damaged. Was this covered by his business insurance?

We cannot investigate because it is not your loan

Tim purchased a car from a private seller. Tim did not know the seller had an unpaid loan balance that the car was security for. The seller stopped paying their loan and the lender repossessed Tim’s car. Tim complained to us because he wanted his car back. We could not investigate because Tim had not received a financial service from the lender.

Lack of licence leads to loss

One of Jacob’s employees lied to him about obtaining a licence to drive trucks. When the employee crashed a company truck a few months later, Jacob’s insurance claim was declined because the insurer found the company had failed to ensure the employee was suitably licensed.