Sabotage, Safety Risk, and GDPR Breach: A 6-Month Nightmare
Since my accident in October 2025, U K Insurance Limited (Churchill/Direct Line Group/Aviva) has subjected me to a systematic campaign of negligence, sabotage, and administrative obstruction. Below is a detailed summary of their failures to date:
1. Wrongful Accusation of Fault: Baselessly accused me of being at fault for the incident, despite dashcam footage proving my innocence and the third party already admitting full liability in writing.
2. Lethal Safety Failures: Twice returned my vehicle in a "massively unsafe" condition. The vehicle had a misaligned subframe, causing it to pull violently to the left—a life-threatening defect they failed to identify or rectify before signing it off as "roadworthy."
3. Mechanical Sabotage (Criminal Damage): In an act of shocking incompetence, repairers used an angle grinder to cut chunks out of my Catloc (catalytic converter lock) to save time, rather than following manufacturer procedures.
4. Incompetent Diagnostics & Refusal to Repair: Failed to identify damage to the catalytic converter and the air conditioning system. Despite providing evidence that the aircon was fully functional days prior to the accident, the insurer has steadfastly refused to repair the unit, leaving the vehicle incomplete.
5. Forced Independent Inspection: After the insurer failed twice to fix the car, I was forced to make all arrangements for an independent inspection by a Toyota Main Dealer. This placed an immense amount of stress and pressure on me, effectively forcing me to do the insurer's job for them while they obstructed the process.
6. Professional Obstruction: Actively interfered with the Toyota inspection, attempting to dictate the scope of their work and instructing them to perform unnecessary, costly procedures to avoid addressing the core subframe failure.
7. Ignoring Expert Evidence: Summarily ignored the technical findings of the Toyota report which confirmed the vehicle was unroadworthy and the insurer's "repairs" were dangerous and improper.
8. The "Courtesy Car" Shakedown: Refused to provide a courtesy car for months, and attempted to charge me £100 for a windscreen chip on a loan vehicle months after the event had occurred.
9. Financial Hardship & Doubled Fuel Costs: By withholding my hybrid vehicle for 6 months, they have doubled my fuel costs. I have been forced to drive an inefficient petrol vehicle, incurring hundreds of pounds in avoidable expenses during a cost-of-living crisis.
10. Unauthorized Wear & Tear: Due to their refusal to provide a courtesy car for months, I was forced to put unnecessary wear and tear on my partner's car, depreciating its value and increasing maintenance costs through no fault of our own.
11. "Death by Admin": Forced me into a "war of attrition" involving over 250 emails and countless hours of my own time seeking accountability that never came.
12. Statutory Data Breach (GDPR): Illegally ignored a Subject Access Request (SAR). When challenged, they provided a "Sham Disclosure" containing irrelevant old data from an unrelated policy to conceal current safety reports.
13. Timeline Manipulation: Attempted to retroactively "reset" legal statutory clocks to cover their own administrative failures, claiming their own written acknowledgments of my request date were "typing errors."
14. Unlawful Barriers to Access: Imposed an arbitrary 10 business day window for ID submission—an unethical and illegal attempt to close the door on my data rights.
15. Breach of FCA Consumer Duty: Failed in their legal duty to "act in good faith" or "avoid foreseeable harm," knowingly allowing me to suffer significant financial, emotional, and physical risk.
16. Failure to Support Vulnerability: Ignored formal notifications of financial hardship and emotional distress, failing to trigger mandatory "Vulnerable Customer" protocols required by the FCA for customers in crisis.
17. Data Integrity Concerns: I believe the insurer is knowingly withholding data, and I suspect this is a tactical delay intended to "cleanse" or alter internal notes before disclosure. This remains yet to be confirmed as my DSAR is still outstanding.
18. The "Wall of Silence": Despite escalating to the highest levels, including Amanda Blanc DBE (CEO of Aviva), I have been met with a total refusal to take accountability for the distress or financial impact caused.
19. Multiple Regulatory Investigations: My case is currently under formal investigation by the ICO, FOS, DVSA, and the FCA, with my local MP now formally intervened.
Status: Over 6 months later, they still have my car, they still have my data, and they continue to treat UK Law as optional.
!!Avoid this group at all costs!!
