:-( Car Theft - DBCohen
Got up early this morning to head to Sheffield to meet a client.

On getting to my front door, I found my door keys on the mat. Turned to look to where they should go (key hooks about 8 feet from front door), and realised my car keys were gone.

Sure enough, my 2001(51) Volvo S80 2.4 SE had been half-inched.

Crim must have used a fishing rod to hook the keys from their resting place. Cheeky b***** must also have deiced the windscreen before departing, as my Wife's car was well frosted over this morning.

I am now looking at a serious cost impact - steep 1st year depreciation on the S80 (which I was going to ride to year 4) means I will probably be in a finance deficit when the claim is settled. And that's before interim car hire costs, excess, time and effort replacing missing items etc.

What are opinions on replacement - looking at maybe 12 grand when aforementioned fiannce hole has been dealt with. Another S80 (though it would have to be older, I guess), or maybe an Omega? I'd like to move to an auto, if possible.

:-( Car Theft - blank
I am sorry to say this, but the news might be even worse than you think. This method of theft is increasingly common aparently.
I have heard that insurance companies are getting increasingly picky about paying up because they can claim that you did not take reasonable care to avoid your keys (therefore car) being stolen and refuse to pay out. I'd start thinking very carefully about what to say to them if I was in your position.
Hope it doesn't come to that and others will doubtless be along with more/better advice soon.

Hope it works out OK
Andy
:-( Car Theft - martint123
Yup, my policy has an exclusion - driven off with keys = no payout.
I think designed as AndyS says to make the owner take more care - like leaving keys in when paying for petrol etc, but as it's in writing, they can have me in a similar situation to you.

Martin
:-( Car Theft - No Do$h
However, and slightly more upbeat, a contract has to be "reasonable" to be enforcable in law. The insurance company may well have such an exclusion, however I think that it could be argued that care was taken of the keys, given the dexterity required. If they refused to pay out on this, what's to stop them from refusing a claim where your home is forcibly entered?

I think the Financial Ombudsman Service would take a dim view of an exclusion on this basis.

BTW, is the car new enough for a New for Old payout? Things may be looking up after all.

((Steps back so Mark can add his advice on this one))
:-( Car Theft - Mark (RLBS)
You need to read AndyS's note really carefully and pay attention to what he says.

There are circumstances under which it being stolen with the kets is ok, depending on the lengths they had to go to to get the keys. You should read your policy very carefully.

Also, on a slightly spearate point - Are your keys visible from the letter box, or have you had someone in your house lately ? Tradesmen for example ?

At the least you should move your keys.

And I hesitate to be reactionery, but did your house keys fall on the mat, or were they thrown there after they were copied ? You might like to think about changing the house locks.

Sorry.
:-( Car Theft - Union Jack
I thought it was probably too insensitive of me to have put my "Everyday Story of West Country Life - and Death?" (it got abbreviated) into this thread.

However, back on topic, over £500,000 worth of cars were stolen locally in this type of theft last year, including a Range Rover and a BMW from outside the same house in one night.

Where one of my family lives in NY state, only an hour out of NYC, it's considered perfectly normal not to lock external doors at night, and to leave cars outside unlocked. Conversely - or perversely? -it was thought that a householder who had his car stolen from his driveway after leaving the keys in the ignition at Christmas had tempted fate!

Jack
:-( Car Theft - martint123
Last year the Chief Constable of Hull's car was stolen with keys.
He said he was burgled, others say he left his keys in.

Needless to say quite a lot of plod and armed response units were tasked to find it (and did), no doubt these gentlemen will be avilable to do the same service for us when the time comes?

Martin
:-( Car Theft - DBCohen
Had the Police round this evening.

They say that, in the eyes of the law, fishing for keys is burglary. The loss of the car is a consequence of said burglary. As such, I should receive my payout.

I had the locks changed on the front door today, just to be on the safe side. We have good bolts on the door, and an ADT monitored alarm, but my good lady is understandably nervous after the day's events. As I work a lot away from home...

Anybody got any thought on a replacement car? I have resigned myself to down speccing. How would a Rover 75 compare after the "luxobarge" feel of an S80?
:-( Car Theft - puntoo
You should not let them force you into downgrading. You should just make it difficult for them to steal the car. Some sort of Tracker and lockable box for your keys in the house, plus a box covering the letterbox.

You will often find they park the car in a nearby area and return after a a day to see if the car has been "tracked" by the police. So at least you would get the car back.

I did have the idea of putting a set of keys on full display and wiring them to an alarm (attached to some boiling oil over the front porch ??) but I dont have a car worth stealing in the first place...
:-( Car Theft - Vin {P}
Keys: I know the horse has bolted, but next time, no need for anything serious; just hang a couple of hooks on the inside of any cupboard door and leave the keys in there every time. My wife gets very irritated at my constant bleating at her not to leave the keys out, but we've not had our car nicked via this method(yet).

Sorry to bore, but on the subject of a replacement, get an Omega. You know it makes sense (and that no-one in their right mind nicks a car with such a low image quotient)

V
:-( Car Theft - Armitage Shanks{P}
Pouring boiling oil on criminals! A very serious crime, you'd be in court for that before they were I should think!
:-( Car Theft - Wally Zebon
Pouring boiling oil on criminals! A very serious crime,
you'd be in court for that before they were I should think!


Unless you put up a sign warning said criminal of the possibility of having boiling oil poured on him. Then its OK.

:-( Car Theft - Toad, of Toad Hall.
Tradesmen: Just what are you accusing Andy's wife of? ;-)


Burglary: Is it therefore possible to claim on house insurance and save some NCD?
--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - Oz
'Villain driving off with keys' may be the preferred option to 'keeping possession of car but suffering serious GBH or worse'.

Oz (as was)
:-( Car Theft - Ian D
If your good lady is worried, make sure you get the alarm configured such that you can set it at night to at least cover the downstairs, and preferably with a sensor which will detect any fishing/activities inside your front door...
:-( Car Theft - Vansboy
Is the stolen car on finance?
Do you have Gap cover within the repayments.
This MAY cover shortfall between insurance payout & replacement cost, of similar vehicle.
Has it turned up yet?
Mark
:-( Car Theft - andycap
Sorry to hear about your loss be interested to see how much your insurance co think it was worth !! Should you be interested I have a S80 2.9 se fully loaded looking for a good home £11k ono guaranteed history.
:-( Car Theft - Blue {P}
When taking out the finance I'd be really surprised if they didn't offer gap insurance.

It's only fairly cheap, and covers the insurance shortfall if they have to pay out on the car. If they offered it I'll bet you took it and have just forgotten about it, 'cos I've only just remembered that I got it free with my Fiesta. :) Shame it runs out in March :(
Blue
:-( Car Theft - Clear Spot
Sorry to hear about your misfortune, I think you may be disappointed with an Omega after the Volvo from a quality point of view. My 2000 Elite Estate was nice to drive and had lots of kit, but was starting to creak and groan with 17k miles, the quality of the paint work left a lot to be desired.
Whatever car you get next, take out Gap insurance, you can buy a policy for £200 - £300 that pays out the difference between what you paid for the car and what the insurance company gives you.
CS
:-( Car Theft - DBCohen
Good news!

Vehicle was recovered yesterday. It had been parked up, in a street only about a mile away.

Recovery people apparently had a devil of a job getting it without damaging it, but they have done, and they think it looks completely unharmed.

I am hoping to get it back once it has been fingerprinted, and then straight over to the dealer for new locks and keys.

Of course, I have in all probability lost the entire contents, but fortunately due to the burglary nature of the crime the home policy should cover me for that.
:-( Car Theft - Billy Whizz
That is great news! The main question now is: why? Perhaps they were testing to see if you had a tracker in it (as suggested by someone else).

A while back, I had my Montego stolen from outside my brothers house and the scroats wrote it off (not too difficult!) trying to outrun the police. (They then legged it over the fields and were never caught, tho'). BUT although they had nicked everything hidden in the boot, they didn't check the (unlocked) glovebox which was full of important documents. (Car was locked but they screwdrivered it, no knickable stuff on view tho'.) SO there might be hope.

Billy.
:-( Car Theft - No Do$h
Good news DBC. I bet you had a grin on your face when you got that 'phone call.
:-( Car Theft - Dynamic Dave
and they think it looks completely unharmed.


What looks unharmed, might be a different story when you start to drive it. Prob thrashed within an inch of its life. Wheelspins and handbrake turns galore. So unless you've been very lucky, expect at the very least tyre wear, or worse clutch, gearbox, suspension, and steering damage.

Sorry to be the bearer of bad news. Keeps us informed of the actual outcome after you've seen it for yourself.
:-( Car Theft - Phil I
Looking on the bright side as always DD they may have put some petrol in.
:-( Car Theft - Martin Wall
Great news - obviously get the car thoroughly checked over by your Volvo dealer when getting the locks changed for any other damage - but if they went to bother of nicking the keys and then parking the car not too far away it's unlikely to be joyriders - much more likely to be some pro car thief who was stealing an executive saloon 'to order' - good point about thief maybe checking to see if there was a tracker system fitted - may be worth investing in one now!!

Anyway, so long as your car is ok then that's obviously saved you a packet given depreciation (and the likely payout), finance costs, etc.

:-)
:-( Car Theft - keithb
Of course, I have in all probability lost the entire contents,
but fortunately due to the burglary nature of the crime the
home policy should cover me for that.


I would be very surprised if your household policy covers contents stolen from the car. However, it would cover the keys as they were burgled from your house. Hope I'm wrong!
:-( Car Theft - Mark (RLBS)
I dunno, all sounds a bit iffy to me.

Just make sure that *ANY* other keys they could have got to, even if they were back on the hook, have had the locks changed. Bolts are all very well when you are in the house, but they don't help when you're out.
:-( Car Theft - BrianW
Household contents policy should cover, IMHO, I claimed with no trouble when my camera kit and the bitter half's makeup bag were stolen from our car.
:-( Car Theft - DBCohen
Got the car back from the recovery agent last night.

They are running a nice scam - the standard recovery charge is £105 - as indicated by the Home Office and their contract with Greater Manchester Police. However, they also insisted on charging me £185 more for extra work involved with the recovery.

I took issue with this, as I never authorised a recovery in the first place. Of course, I had to pay it to get the car back, but I will be pursuing this with GMP and my solicitor.

All of value is gone from the car, but it did look materially undamaged. On starting, the engine management system warned me that attention was required, and my wife noted some smoke blowing from the exhaust.

I have asked my Volvo dealer, who is recoding the transponder and keys for me, to attend to the engine and check the shocks, clutch, exhaust etc. for damage.

This is all now at my expense - car insurance company warned me that a claim, even with my protected NCD, would cost a £300 theft excess and likely bump my premium up by £500 next year. I am now thinking about taking the depreciation hit, selling the car and moving back to my company scheme, where at least I wouldn't have all of this hassle and unplanned cost.

Still pursuing a home insurance claim for the contents...
:-( Car Theft - Toad, of Toad Hall.
They are running a nice scam - the standard recovery charge
is £105 - as indicated by the Home Office and their
contract with Greater Manchester Police. However, they also insisted on charging
me £185 more for extra work involved with the recovery.


I suggested this was a scam a year or so ago. Some felt that it was reasonable. I still don't.
--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - Dynamic Dave
From what DBCohen has just said, you can understand why people don't bother insuring vehicles at all.

Glad you got your car back btw, but I think the toerag that nicked it would have done you more of a favour by torching it, instead of just abandoning it.
:-( Car Theft - No Do$h
If the engine management system is requiring attention, expect a 4-figure bill. Pound to a penny the cat and lamda will be as effective as playdoh by now. It's also possible that the lamda sensor could have "spiked" the ecu.

You may want to reconsider on whether to make a claim or not. And then shop around like nobody's business at your next renewal.
:-( Car Theft - Tony N
Not necessarily, many things can cause the ECU light to come on - dodgy sensor connection for instance. It would take SOME abuse to cause that much damage in such little time - specially to a solid motor like a volvo. Oxygen sensors are fairly robust these days, so to cause lasting damage to the sensor and cat seems unlikey - unless they filled it with a tank of 4 star ;)
:-( Car Theft - No Do$h
4star? Wozzat then?

Still alarming. Enough revving the pink fluffy dice off it and a few speed ramps at 60 will comfortably nail the cat.

:-( Car Theft - Tony N
it and a few speed ramps at 60 will comfortably nail
the cat.


Most probably would have left it lying in the road where it fell off too! You remember 4 star, it was that decent petrol we used to get! Okay LRP then...
:-( Car Theft - DBCohen
Latest update:

Decided not to claim on car insurance, due to £300 excess and the warnings of £500 premium increases, even with protected no claims bonus, for my next year renewal.

Had the car into Volvo for a valet, and had the car transponder memory wiped. It will now only recognise my keys, not the stolen ones. That was a lot cheaper than a full new lock and key set.

Engine system service required message was disappeared from the computer on a reboot. Indicated a problem with the throttle housing - this is on order for a warranty replacement (I am on very good terms with the service manager). Total Volvo cost was £208.

Everything else looks OK. I had a settlement figure from the finance company that was fairly scary, so I am glad that the car was recovered.

However, due to the hassle I have had, when I get an opportunity (and I can I will move the S80 on and drop back into my company car scheme. I can get a new Merc C180K Avantgarde SE within my allowance.

:-( Car Theft - CMark {P}
Do you have any sort of clue as to the milage they put on it?

How do the tyres look? Curious why they left it only a mile away and still managed to get the engine system light on. Any clues?

CMark
:-( Car Theft - CMark {P}
Has your dealer checked the car's engine and gearbox numbers are correct? I.e. that they have not been swapped.
CMark
:-( Car Theft - DBCohen
Care to elaborate on the gearbox/engine thing? Surely they wouldn't rip out good stuff, replace it with duff and then park it up?

I don't think they could have done more than 100 miles in it. I can't remeber what the odometer said, but the trip computer showed a dip in average comsumption of 2-3mpg (I never reset it), which would tally in my experience with some fast urban driving.

I suspect the throttle body got damaged with some heavy foot mashing.
:-( Car Theft - CMark {P}
I am just wondering why they went to all that trouble of stealing the keys for a "joy ride" (terrible word). As Mark (RLBS) says, it all sounds a bit iffy.

Would a throttle body really be damaged by heavy foot mashing?

Engine numbers etc are easy to check. Just a thought.

You are right, there is no logic to them fitting the duff units back to your car. I have heard of hire cars having major units swapped out, but that is obviously different...

CMark
:-( Car Theft - Toad, of Toad Hall.
DBCobden - I recon you've got away with this! Well done.

I don't think it's *that* unusul for joyriders to take cars for a spin and not torch them/smash them up.

They've nicked a local car (within walking distance) taken it for a spin, dropped it nearby. Maybe they got spooked by something maybe they saw another car they wanted a go in maybe someone phoned with a better offer than joyriding for ht evening. You'll never know. You just have to take it at face value that the car is ok and that you're not going to get your premiums loaded.

A brisk drive won't have done it too much harm.

I reckon this might be one of the rare cases where you're better of getting the car back!


--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - No Do$h
If the engine management system is requiring attention, expect a 4-figure
bill. Pound to a penny the cat and lamda will
be as effective as playdoh by now. It's also possible
that the lamda sensor could have "spiked" the ecu.
You may want to reconsider on whether to make a claim
or not. And then shop around like nobody's business at
your next renewal.

Ok, I'll put my doomsayer's hat away for another day. Good Result DBC.
:-( Car Theft - DBCohen
Grin..

Got a NIP this morning for a 61mph in a 30mph zone - committed about 12 hours after I reported the car missing (1940 in the evening, to be precise).

Of course, it is too much to expect 'joined up policing' from plod's computer systems - clearly, Central Ticket Office doesn't do a PNC check before sending out a NIP.

Got a call from the investigating officer yesterday - he didn't know the car had been recovered and returned to me either. I am glad it has - he is looking to collar someone, and I would imagine they would retain the vehicle if they had it when a prosecution is pending.

Wonder if I'll get any of my stuff back...
:-( Car Theft - Toad, of Toad Hall.
Got a NIP this morning for a 61mph in a 30mph
zone - committed about 12 hours after I reported the car
missing (1940 in the evening, to be precise).


Will they let you off the refusal to ID the driver? Is having it nicked a defence?
--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - No Do$h
Oh my good grief! I laughed out loud at that one. Am now getting odd looks from various corners of the office, but I'm the boss, so what the heck.

I wonder how many times the Gatso brigade hear "But I have no idea officer, I was tucked up in bed at the time". Please please please let us all know how this one develops!

Who knows, perhaps the 'photo from the Gatso will be the extra bit of evidence needed to nick the pink fluffy dice that took your svedish delight.
:-( Car Theft - Toad, of Toad Hall.
We need DVD.

The keeper *has* to ID the culprit of the offence or take the points.

Not being physically able to ID the culprit *isn't* a defence.

Now when the car is nicked I wonder what happens.
--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - Mark (RLBS)
Don't be ridiculous, Toad.



:-( Car Theft - DavidHM
s.1722, subsection 4 of the Road Traffic Act 1988 states that:

A person shall not be guilty of an offence by virtue of paragraph (a) of subsection (2) above if he shows that he did not know and could not with reasonable diligence have ascertained who the driver of the vehicle was.

Essentially it means that you are guilty until proven innocent, but the standard of proof here is the balance of probabilities rather than beyond all reasonable doubt (which is what the prosecution must show).
:-( Car Theft - DavidHM
That's s.172, not 1722, if anyone wants to check it.
:-( Car Theft - Toad, of Toad Hall.
So the Hampshire Deputy Chief Constable got convicted becuse it was felt that he could have found the ID of the driver with due dilligence.

In the case of a husbnad and wife who can't remember who was driving at a specific time?

Could it be said of whichever one was the registered keeper that they: "did not know and could not with reasonable diligence" ID the driver?

Do you see where I'm going with this? There are countless times people will not know who was driving at a certain time on a certain day. If the law excuses this it's pretty flawless defence if you are prepared to lie.
--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - DavidHM
I guess that, in terms of the body corporate, they probably could have found the driver, certainly if they had exhibited due diligence before the event by keeping a log of who was driving, etc.

I very much doubt that reasonable diligence for a couple would be considered to be anything more than asking the other if (s)he was driving and giving an honest answer. However, given that an NIP must be issued within 14 days, it shouldn't be too difficult to answer and you might fail the test, but it would be up to the magistrate or jury to decide.

What you are really asking is more a question of fact than of law. And yes, it is quite difficult to convict, but if you do lie it is perverting the course of justice.
:-( Car Theft - Toad, of Toad Hall.
What you are really asking is more a question of fact
than of law. And yes, it is quite difficult to
convict, but if you do lie it is perverting the course
of justice.


So the whole system is based on our honesty?

--
These are my own opinions, and not necessarily those of all Toads.
:-( Car Theft - Peter D
Write to the police and informthem them of the circumstances and get them to check any other cameras in the area particularly if you have any monitor cameras or laser or IR speed cameras as some of these take the photo face on and they might get an ID. Regards Peter
:-( Car Theft - DBCohen
I contacted GMP Central Ticket Office this morning by email, giving them the circumstances and the crime reference number.

I got a reply within an hour telling me that I didn't have to fill in the NIP and return it, and that they would deal with the matter.

Just to be on the safe side, I printed out this email and stapled it to the NIP - I'll hold on to them.

I also called my crime's investigating officer - it's a standard Gatso, so no holiday snaps, but at least he will be able to place the vehicle to a location, date and time. Might help in collaring the scumbags...
:-( Car Theft - NWS
There are countless times people will not know who was driving at a certain time on a certain day.


I'm not surprised that all other toads do not necessarily share your views. Do you swap the driving so often on a journey that you couldn't say who was at the wheel at a given location? Even if you do, how little due care and attention to the road you're on do you employ behind the wheel?
:-( Car Theft - Peter D
I realise the camera was a Gatso but I was suggesting that the boys in blue may find other camera images on Monitor Cameras, or other IR or Laser Cams which do take the image head on therefore may provide an ID of a known thief. Regards Peter
:-( Car Theft - smokie
It's one thing remembering who drove the same day, quite another 14 days later.
:-( Car Theft - Mark (RLBS)
Is it really difficult to work out where you were and who was driving ? Especially since you have a camera picture to give you a hint.

I'v managed to work out where my car has been for the last 4 weekends and who was driving fairly easily. In the week is even easier.
:-( Car Theft - Steady Eddie
Is it really difficult to work out where you were and
who was driving ? Especially since you have a camera picture
to give you a hint.
I'v managed to work out where my car has been for
the last 4 weekends and who was driving fairly easily. In
the week is even easier.


For a hire firm the camera picture is very useful.
:-( Car Theft - Vansboy
Do you live Hertfordshire area, DB?
Friends of ours just got back from holiday, to find similar thing.
The house was broken into,in this instance, keys found & cars taken.
Her new, ie 50miles new, Toyota MR2, has not re-appeared.
His 14month old Bentley,was found a short distance away with a damaged wing.It had scraped a wall whilst being stolen.
Questions..
Who was watching & new what, where & when to get these cars?
Did they feel the Bentley was trackered up?
Was it rejected due to body damaged?
Did they make a mistake with the MR2 as it was the latest model, not to easy to clone if it's to stay in UK?
There are some nasty people about.
Mark
:-( Car Theft - DBCohen
No, I live in Manchester - but Plod teels me this is becoming more and more common. A colleague in Liverpool had the same MO applied to his driveway!

The latest is that yesterday morning, on coming out to the car, I found the driver's door lock button up. Car was still deadlocked and alarmed, so nobody had been in it. I suspect my perp had returned with his key in the hope of getting it again, but was defeated because the car will no longer recognise his key transponder and undeadlock.

Both SWMBO and I are now nervous about keeping the vehicle. I can't get better than 12k for it from a Volvo dealer (2.4 140bhp SE Manual, Oct 2001 registered, 24k miles), and thanks to Rule of 78 the outstanding finance (18 payments out of 60) is 17.5k. Anybody know any good tricks for convincing the finance company to give me a more competitive settlement figure?
:-( Car Theft - Vansboy
The best way to minimise a settlement figure, works like this..
estimate amount outstanding, eg £17500,make one payment of say, £17300, your actual settlement figure, that you THEN ask for is calculated on the remaining balance, ie, £200.You will probably get some change from the deal.
Still not looking too good on your balance, unfortunately.
The other option is to re pay half the loan & hand back the car.No further penalty.This was discussed, a few weeks back.Can't remember what prompted it.
I understand your concerns, but your probably now looking to be too much hastle for the criminals, if they were the ones that popped the button.Sure it wasn't you, by mistake?
Hope this helps.
Mark
:-( Car Theft - DBCohen
Definitely wasn't me who popped the button - I lock with the remote, and that locks all of the doors. Given my recent experiences, I visually check all four doors after the hazard lights flash, and also confirm a winking red dash light.

I'll dig out the half payment thread - that might work out a little cheaper. Cheers.
:-( Car Theft - keithb
The best way to minimise a settlement figure, works like this..
estimate amount outstanding, eg £17500,make one payment of say, £17300, your
actual settlement figure, that you THEN ask for is calculated on
the remaining balance, ie, £200.You will probably get some change from
the deal.


This sounds very unlikely as the finance company would be seriously out of pocket. They would hold the £17300 as a credit and then apply the rule of 78 as normal when repayment was requested, deducting the £17300 held.
:-( Car Theft - Martin Wall
It may not be this - some V70s had a problem with locks - specifically the car unlocking itself after a few minutes - this happened on a V70 I use - only on the drivers door though.

Assuming the S80 and V70 use the same locks (which I think they must do) your S80 might have this problem. Get it checked at the dealer - I thought you had your locks changed, so surely the stolen key should not work at all - or did the dealer just re-program the keys whilst keeping the same locks?
:-( Car Theft - Godfrey H {P}
Just an idea why not get a sattelite tracker fitted to your car?I was thinking of the type that phones home immediately your car is interfered with. It must work out cheaper than trying to settle your finance agreement. Extra expense for you I know, but if you keep your car in the drive and have had previous problems worth thinking about.
:-( Car Theft - Dynamic Dave
The latest is that yesterday morning, on coming out to the
car, I found the driver's door lock button up. Car was
still deadlocked and alarmed, so nobody had been in it. I
suspect my perp had returned with his key in the hope
of getting it again, but was defeated because the car will
no longer recognise his key transponder and undeadlock.


Silly question, but have you a garage that you could put the car in overnight?
:-( Car Theft - Blue {P}
If they can't start the car, and realise that, then they probably won't come back. The reason they stole your keys in the first place is 'cos they can't get past the immobiliser.

I suppose it must feel like it's a bit violated now though...
Blue
:-( Car Theft - keithb
The rule of 78 is not unduly harsh. Penalty should be less than 1% of the loan amount. The early repayment amount will be a lot more than 42/60 of the amount borrowed as, in the early part of the term, you are repaying relatively little of the capital. Same principle as a repayment mortgage.

Handing the car back after half the payments have been made is only an option on a Hire Purchase agreement AFAIK. If the loan is a personal loan, then what you spent the money on is irrelevant and there is no link to the car.
:-( Car Theft - Chris TD
I
suspect my perp had returned with his key in the hope
of getting it again, but was defeated because the car will
no longer recognise his key transponder and undeadlock.


Might be a bit late to get the evidence but what about sticking a bit of sellotape over the keyhole? If you lock/unlock the car with the remote you wouldn't insert the key. If you find the sellotape broken, perp has possibly tried again. If it's unbroken it might be the phantom unlocking mentioned elsewhere in the thread.

Not much reassurance I know - I felt similar when someone levered out the cylinder of the MG door lock. It still didn't unlock but I was puzzled why they didn't just unclip the hood and reach round to open the door? The joy of soft tops....

Chris TD
:-( Car Theft - DBCohen
In answer to all of the previous posts:

1) Locks weren't changed, just a key reprogram.
2) Sat track is expensive now, given what the car is worth. I'd rather get GAP insurance and have it permanently stolen!
3) Sellotape would prove a theft attempt

The bottom line is I feel that the car is now a bit of a crime magnet. I don't want perps rolling up to my drive to have a go, as they might then decide to have a go at the wife's car, my front or back house doors etc.

I'd rather, if possible get rid of the car - provided it doesn't cost me a fortune. This episode has currently cost me about £1000 in various fees and losses that I have not been able to recover - insurance isn't really worth a damn unless total loss or major damage is involved, and the house insurance won't cover some of the lost items (work laptop, mobile phone accessories). I also got stung on the recovery fees (see earlier) which I am currently fighting, and then the lock work and valet cost money.

If I got rid of the car, I'd be able to get a company car and avoid this hassle and financial loss in the future. And my 'crime-breeding-crime' worries would be reduced as well.

:-( Car Theft - Martin Wall
You should really get the insurance company to pay for new locks - if they find out that you didn't do this and there's a spare key out there they probably won't cover you if it gets nicked...
:-( Car Theft - volvoman
Any chance of an update DBC ? This is all very intriguing !
:-( Car Theft - HF
I thought you couldn't access threads past about the 50 post mark, V?!
HF

 

Value my car