close premium finance help needed

karen654321 · 14th June 2007, 14:49

Hiya

Ive sent prelimanary letter and lba letters to the above company trying to claim back charges that was added on for car insurance.
I had my ddr unpaid 5 times during the policy and each time cpf put an extra £30 charge on.
Each time they tell me they are within there rights to do this and charge this much.
I know you can claim back bank charges but how do i stand with claiming back charges of a car insurance company?
thanks

karen

karen654321 · 15th June 2007, 02:12

demon_x_slash · 15th June 2007, 12:25

Same procedure as for the banks, same case law.

karen654321 · 15th June 2007, 15:09

thanks very much for your help

stadium_arcadium · 17th June 2007, 14:08

Hi Karen, I pay my car insurance premiums to these people. I pay by 10 monthy installments, with 2 months off (so to speak) so after month 10 last year I cancelled the DD with my bank, thinking it was finished with. I figured when the time came I'd have to set up a new one. Once the renewal came in I had a default notice from them, plus an admin charge of £25 all because I'd cancelled my DD

I do intend to claim this back, but haven't done yet for fear of them cancelling my current credit. Please would you keep us updated how your claim goes, this would help me tremendously.
Thanks in advance

campari2 · 17th June 2007, 16:29

Hiya - I had a car insurance policy bought online from Its4me, handled by Close Premium Finance. Paid a deposit online, later I cancelled my DDM and was allowed 3 instalments by cheque, thereafter they wrote and said they would cancell my agreement if I did not set up another DDM. I did not and they said finito! 6 mths later I telephoned for info on my NCB. The old insurer said that I was still on cover and that they would now debit nearly £200 from bank a/c. This they did. Without writing to them directly to cancell the policy they apparently had the right to keep it going and therefore rack up debts for me without my knowledge. I am trying to claim this money back, and I assume this will come under Distance Selling Regs. A CCA form was sent to me by Close but I never signed and returned it, so I also assume that they have put a black mark on my credit record. Any suggestions or directions to relevant course of action would be much appreciated. I have written to them and they say I have to prove cover elsewhere for the period after they cancelled?? thanks

karen654321 · 18th June 2007, 00:18

Hiya Stadium, im sorry to hear that you have also incurred charges from these people. Im actually going to start the online claim form for court on tuesday. Ive sent the first letter and the second but not had a satisfactory response. Basically telling me they can account for the whole £30 they charge for an unpaid ddr.
I will keep you posted.

thanks
karen

stadium_arcadium · 18th June 2007, 14:08

Quote:

Originally Posted by karen654321

Hiya Stadium, im sorry to hear that you have also incurred charges from these people. Im actually going to start the online claim form for court on tuesday. Ive sent the first letter and the second but not had a satisfactory response. Basically telling me they can account for the whole £30 they charge for an unpaid ddr.
I will keep you posted.

thanks
karen

Thanks Karen, that would be a great help. I would love to see their breakdown for a £30 charge, wonder if they will actually follow through!

Good luck

karen654321 · 18th June 2007, 14:22

Hiya, will send you a copy of the breakdown that hes promised me. I wouldnt hold out much hope that its going to arrive mind you.
will keep you posted

karen

stadium_arcadium · 18th June 2007, 14:25

Quote:

Originally Posted by campari2

Hiya - I had a car insurance policy bought online from Its4me, handled by Close Premium Finance. Paid a deposit online, later I cancelled my DDM and was allowed 3 instalments by cheque, thereafter they wrote and said they would cancell my agreement if I did not set up another DDM. I did not and they said finito! 6 mths later I telephoned for info on my NCB. The old insurer said that I was still on cover and that they would now debit nearly £200 from bank a/c. This they did. Without writing to them directly to cancell the policy they apparently had the right to keep it going and therefore rack up debts for me without my knowledge. I am trying to claim this money back, and I assume this will come under Distance Selling Regs. A CCA form was sent to me by Close but I never signed and returned it, so I also assume that they have put a black mark on my credit record. Any suggestions or directions to relevant course of action would be much appreciated. I have written to them and they say I have to prove cover elsewhere for the period after they cancelled?? thanks

Hi Campari, I recently read of a similar situation where someone had been paying (unknowingly) two lots of insurance. If I remember correctly they had to send proof of the other insurance cover to get their money back. Will try and find it, it's in this forum somewhere!
I think it's disgusting that these companies have the right to keep our bank details this way. I am going to search for my Close T&C's, see if/where it mentions any of this. I think I'll go to Direct Line next year!

Tell you what guys, I for one will be examining ANY setof T&C's for absolutely anything I have in the future. We live and learn.

stadium_arcadium · 18th June 2007, 14:28

Quote:

Originally Posted by karen654321

Hiya, will send you a copy of the breakdown that hes promised me. I wouldnt hold out much hope that its going to arrive mind you.
will keep you posted

karen

LOL, I agree Karen, can't see the breakdown arriving anytime soon but hey, maybe he'll surprise us!

Thanks again, much appreciate your help.

karen654321 · 20th June 2007, 01:46

Hiya, i wonder if someone could help me with the particulars of claim on the online claim form. I dont really know if i should just use the standard particulars of claim for reclaiming bank charges just changing the bank to insurance or something else..
any help would be appreciated
thanks
karen

karen654321 · 22nd June 2007, 00:54

stadium_arcadium · 22nd June 2007, 10:24

Hi Karen, wish I could help you. I have searched through the forums but can't seem to find anyone posting about this.

I would have thought it is the same POC's as the bank, but change what you need, as you've mentioned above. Maybe once you reword it, you could try get a mod or someone knowledgeable to check them over before you submit?
Good luck

karen654321 · 22nd June 2007, 18:56

Hiya thanks stadium. Will post as soon as ive completed it. Breakdown of charges never arrived suprise suprise..
anyway thanks for your advice will keep you updated.

karen

karen654321 · 25th June 2007, 00:09

Hiya, gave them a week for the breakdown of the charges and guess what... never arrived. started mcol so will keep you up to date with how things are going..

karen

stadium_arcadium · 27th June 2007, 15:54

Quote:

gave them a week for the breakdown of the charges and guess what... never arrived.

Why am I not surprised?

You go get 'em girl! Glad you've got the ball rolling, thanks for the updates, will stay in touch

campari2 · 27th June 2007, 17:00

Hiya - have finally had a reply from Its4me Insurance Online, they have bumped their cancellation fee up from £30 to £51.96 - seems an odd figure - and say they paid HIHGHWAYS for my insurance. ? So - I think I need to do a Data Protection Act on both companies - I intend to get this money back - Ive looked at the Distance Selling Regs and they are no way keeping it! will keep you informed.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.