Scott Allen has held his own for 18 months against what he claims to be the most unfair treatment, but when the case came to a head last month, he turned to Crusader for help.
Her Â£ 360 rental from Sixt car rental was for a nine day trip with a friend to the south of England in May of last year.
He did not inspect the car or sign a form about its condition upon pickup, but four days later they noticed a crack in the windshield from a chip under a wiper that made the uncontrollable vehicle.
âI spent several hours on the phone trying to report it,â Scott explained. âBut a replacement didn’t take place until four days later. This delay ruined much of our break.
Scott did not have excess deductible insurance, which covers parts often excluded from rental policies, and was therefore liable for the cost of the damage, which he absolutely accepted.
But the delays meant he hadn’t made full use of the car. âI wanted that to be offset by the rent,â he explains.
This request was rejected and Scott was sent back and forth between Sixt services.
Everything calmed down, he claims, until a year later he received another warning about his unpaid debt.
More inconclusive negotiations followed by a final payment reminder and then a shocking demand for Â£ 712 from a debt collector.
This was from a company in Germany where Sixt is headquartered and she also asked Scott for many personal details about his employment status and income which Crusader found outrageous and which Scott would be very unwise to provide.
âI never disputed that I had to settle the damage bill only that the final charge should be fair and reflect where we lost,â he protested.
After we put their side at Sixt headquarters and our concerns about the debt claim, the company responded very quickly and reimbursed Scott’s full rental fee.
He explained: âWe are very sorry for what happened in this case and have looked at the internal proceedings in great detail. Unfortunately, due to a communication problem [he] did not receive a response.
“I’m so thrilled the pressure just got worse,” Scott replied. âI was worried about my credit report and without Crusader I’m sure I would have had to face a huge bill. I am so relieved. “
Specialized insurance coverage for excluded vulnerable auto parts would have solved Scott’s damage problem, and it’s always better to buy in advance than at rental offices when picking up where policies are over. dear. Recognized as being of great value and fair is the coverage offered by iCarhireinsurance.com which charges from Â£ 27.96 for a one week policy (or Â£ 3.99 per day).
(Scott’s name has been changed)
Can debt requests from foreign companies haunt you at home?
As a rule, debts don’t follow people across borders, advises leading credit reference agency Experian (www.experian.co.uk), so debt incurred abroad is unlikely. achieves your UK credit report. But there are exceptions. There is a process for transferring and enforcing judgments from domestic courts to the local level. If someone does end up with a judgment from a county court, for example, this will be added to their UK credit report, and there are a few bilateral deals whereby debt collection companies can sell debt and their execution across borders.
Scott’s clash occurred in England and although the claim was made by a German company where his client Sixt is based, the case could have been referred to a debt collector in the UK, where the company registered branches. So overall Scott was absolutely right to worry about the repercussions.
The UK International Consumer Center (www.ukecc.net) provides free assistance in disputes with traders abroad. âBut it’s important for people to know who their contract is actually with, a parent company can have multiple branches registered in different countries,â advises UKICC Service Manager Andy Allen.
UKICC is now able to help consumers with disputes over purchases made in a growing number of non-European countries. In addition to working alongside the 27 centers of the European Consumer Centers Network (ECC-Net), as well as Iceland and Norway, the UKICC has established relationships to share and process cases with 10 non-member countries. EU members: Japan, South Korea, Singapore, Mongolia, Malaysia, New Zealand, United States, Canada, Mexico and Switzerland. For more details visit: www.ukecc.net or call 01268 886690 Monday to Friday, 10 a.m. to 4 p.m.