Have been getting more annoyed thinking about this. As everyone indicates what I would do as a next step is to contact head office cc. BMR Rochdale. As everyone says – if one goes straight to legal action the courts will take a dim view - try reasoning with them first. If they don’t listen then if you do go to court it will be much faster…
I would send a letter to BMW head office explaining the facts briefly:
i.e: A third party damaged your car whilst it was with BMW Rochdale ("BMWR") to remedy a different fault. You should then set out what damage there has been. That BMWR have declined all liability and suggested to approach the third party for redress. I would then highlight that this is not the correct course of action and that BMWR should seek to compensate you/repair the damage themselves as:
BMWR have a duty under the contract for services which they entered into with you and to provide these to a reasonable level. You would anticipate that this would include not damaging your property.
If they have excluded liability for damage either through signage in the garage or in some papers presented to you, this would need to have been clearly drawn to your attention and agreed by you (you would like to see proof from them of how this was the case).
In any even any terms seeking to exclude liability would have to be fair (under UCTA) and seeking to exclude liability for damage where they have failed to take necessary precautions against this (i.e. by letting someone drive their car in their confined garage) would most likely not be 'fair'.
[As a slightly weaker argument, in addition to the contract point above, BMWR have a duty of care in tort towards you and your possessions (a 'special' duty) as a manufacturer towards a consumer which means that they can be liable for reasonably foreseeable economic loss caused by their actions. You could argue that it is reasonable to expect that a failure to protect your car would directly lead to the type of damage incurred.]
You can then say you are trying to resolve this quickly, that the damage caused would be easy and cheap for them to fix as they already have the car and a bodyshop etc. You should then give them a deadline for response (typically up to 14 days is reasonable for them) and finally, add that you will need to seek legal advice if they decline to be more reasonable.
Hopefully they should accept they were liable and get on with resolving this.
I would wait until you have exhausted this before muddying the waters with contacting the lady or informing your insurers...!!!!!
If the above fails then there are always other ways of skinning the cat for e.g ‘hang on a sec, have you mentioned this to your insurers and should I not be dealing with them?...” approach etc.
Good luck
PLEASE NOTE: The above is not meant to be legal advice just one concerned forumite trying to help another so do seek proper legal advice!
