Hi Everybody
Having read about other peoples problems with this company I decided to post my thread about them.
I took out car insurance with Its4me in January 2005. Despite a few hicccups with there £25 penalty charges in this time, I wasn't entirely unhappy with them.
In August I changed my bank account. So I rang them to change my DD details, my next premium was due to paid 3 days later. In light of this I said I would pay my premium then using a debit card. They flatly refused to accept payment. I was told I had to wait until my DD was refused by my old bank, they would then write to me charging me £25 for a defaulted payment, so I could then phone back and pay my premium and the penalty.
To be honest I could not believe what I was hearing, so I again said hang on I've moved banks, the DD is cancelled, I want to give you my new account details and pay my next premium 3 days early by card.
The advisor said again NO, you have to wait, then pay the penalty charge as well. What for??? paying my bill??? He said I had to give 5 days notice to change my bank details so they couldnt change them and implement the next premium in time for payment. I said that is why I want to pay you by debit card for that payment, so what is the problem????
The guy just kept saying I had to pay the penalty as well for a defaulted payment!..............Abs olutely unbelieveable!!!!!!!!!!!! !!
I said in that case I would take my business elsewhere. He said I had to send back my certificate and pay a penalty for mid term cancellation. I advised him I would be in touch
I wrote to Its4me explaining my position and stated no way, no how was I paying their penalty. They had also preached default of payment to me which I said was a result of there non co operation.
I received a standard letter by return saying they were sorry I felt unfairly treated by them....................e r, just a little.............. They refused to budge and said I had to pay. So I wrote back saying no way and I would defend my case through court, if they did not drop the penalty I would consider my insurance cancelled...............t hey didn't drop it, so I cancelled.
I then re insured online with the AA and seaved over £200 a year!!!!!
A few days later I received a demand for cancellation of £261.75 bacause of a fault claim on my policy................... ......(I don't think so!!!) I rang them and stated there had been no claim and I had no documentation relating to it..........how could I??? I hadn't had a claim. They said it was for over £2k for an accident in May 07. This was even better because I was in hospital when I had the accident, not bad going eh???
I demanded copies of all documented information relating to my alleged accident. A week later after a confirming letter from me, they sent a new demand for £76.35. No letter nothing just the demand.
Yesterday I received a letter, they made a mistake! Too right they did! It was an error by one of their advisors and was placed on my policy in error. So now they want a cancellation of £76.35. Not even an apology, just you owe it, you have to pay it, we will take you to court if you don't!!
So I have written telling them to go ahead and take me to court and I will defend on them causing the breach of contract in the first place, which then resulted in my cancellation.
I await there next move!
In addition I am now preparing to take them to court for the £150 in default penalty charges they applied to my account during my time with them.
Any comments, advice, or anything else is welcomed from all. I am no whizz kid by any means and all this going to court thing, despite ongoing bank fights and other cases is actualy quite daunting, but I really feel they have treated me extremely poorly and think I have every right to be miffed.
I look forward to hearing your comments etc.
Simon
Me V Its4me and Close Premium Finance. **WON** 
WON / 19 November 2007
