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Kippy1946

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  1. Thanks for the info but do you have any case references to support it? Chris
  2. Is there some legal duty on consumers to check their bank statements for missing payments? I am in a dispute with an insurance company regarding a cancelled motor policy, which, because it was being paid by direct debit, should have been renewed automatically. The other side argue that, whilst the policy should not have been cancelled, it is my fault because I didn't check my bank statements for missing payments. I need information and/or references I can quote in response. Hope someone can help! Chris
  3. Hi Lemon Twist Denny certainly played their part, as did Wyndale, my original broker, who failed to tell me the motor business was being transferred (to Denny). As a result, I treated the Denny letters as junk. This was aided by the fact that Denny's first letter simply invited me to go with 'their chosen motor insurance partner', Norwich Union. There was no mention of renewing the R&SA policy, which added to my belief it was junk. In fact, by not offering an alternative quote, Denny were in breach of FSA regulations. I had the option of complaining about Denny or R&SA. I chose the latter because I couldn't see how they could get out of the fact that their terms & conditions included the bit about DD-paid policies being automatically renewed unless the policy holder cancelled. The adjudicator can't seem to grasp this pretty basic, printed in black & white fact. At least, she's chosen not to grasp it... Chris
  4. I'm only too well aware of the slow pace the FOS operates; probably the result of the workload imposed on them by our rip-off society. I'm also aware that any further complaint is going to take at least six months. However, I have talked to the adjudicator and she just will not move. Her argument seems to be she is not there to award punitive damages against insurance companies because doing so might drive up premiums. That's a bit like a judge refusing to jail guilty offenders because it will add to the cost of the prison service and end up raising taxes! The adjudicator's analysis of my case is SO one-sided I'm reasonably confident I can call her judgement into doubt. As an example, there was an eleven week delay between the accident and the insurance company finally agreeing to reinstate the policy. As the car wasn't roadworthy I had to make alternative transport arrangements, as I can't work without a car (self-employed photographer). The adjudicator stated that eleven weeks isn't an unreasonable time for a claim to be settled and that, therefore, I wasn't entitled to any costs or compensation. However, I'd taken the car (an X-Type) to a Jaguar dealer quite a few miles away because they had their own bodyshop and provided a free courtesy car. So, I'd probably have had my car repaired in a week and wouldn't have been without one at all. She just didn't take that possibility into account - period. I think a formal complaint is the only way to go whilst I can still show she has been unreasonable. Any dialogue with her would just result in more excuses - and delays. Chris
  5. Thanks for the advice. I do realise I may end up in court but I'm hoping a complaint (about the adjudicator) to someone higher up at the FOS will help. Basically, this woman went out of her way to attack every point I made, except those which she didn't have an answer for, which she completely ignored. I suggested she was biased in my original post and acting more like R&SA's defence counsel. Someone else said she might even be an ex-R&SA employee. I wouldn't be surprised by that at all. Just can't quite get my head round how I can be held responsible - in any way - for the insurer failing to renew what they stated (in B&W) would be automatically renewed - unless I cancelled. There's no natural justice in that and I hope a real judge might see that as well... Chris
  6. Many thanks for your comments and encouragement, Andy and Jon. I didn't realise courts could overturn FOS decisions. Can anybody quote examples and/or relevant website links? I'm particularly interested in hearing from anyone who has had their policy reinstated or received compensation when an automtically renewable policy is cancelled by the insurers or broker. Chris
  7. I have submitted a complaint to the FOS regarding cancelled motor insurance and the adjudicator seems completely biased towards the insurance company (Royal & SunAlliance). The basic facts are that the company (Broker Network) which owns my broker (Wyndale) moved all its motor business to a branch in Scotland (Denny). When Denny wrote to me about renewal they initially tried to sell me a policy with their 'chosen insurance partner', Norwich Union. This on its own is in breach of FSA regulations (they HAVE to offer an alternative quote). It looked like tyical junk mail, so I ignored it (mainly because I hadn't been told about the new broker and the fact that they were trying to move me away from R&SA, with whom I was quite happy). Denny did write again but by this time I was convinced their letter was junk and ignored it once more. Denny got in touch with R&SA, cancelled my policy and, you might guess, about four months later my wife had an accident in my car. R&SA refused to honour the policy, saying it had been cancelled. I had been paying by DD and had been previously assured by Wyndale that my policy, because it was being paid by DD, would be renewed without me having to do anything. It took a few weeks sifting through all the paperwork but I eventually found the following printed in R&SA's terms and conditions (and they still form a part of them online): "If you pay by direct debit we will renew the policy automatically and continue collecting premiums unless you notify us that you wish to cancel the policy." (my bold emphasis) When I sent a copy of this to R&SA they contacted me, saying they would reinstate the policy. However, this was eleven weeks after the accident and I had had to make alternative arrangements for transport in order to work. R&SA refused to reimburse my additional expenses, which I considered were incurred solely because they had not renewed the policy as indicated in their terms and conditions. I decided to make a complaint to the FOS. This has taken almost 12 months to near completion. However, the assigned adjudicator is totally biased towards R&SA and, if I didn't know better, might expect such a response from R&SA's legal department, not a body which is supposed to be impartial. Essentially, the adjudicator holds me responsible for the policy cancellation because I did not check my bank statements. The fact that I had been lulled into a false sense of security by indications from both Wyndale and R&SA (with promises of automatic renewal) and simply didn't see the need to check anything on my statement doesn't matter to her. As a matter of further interest, a friend of mine had a similar experience about ten years ago when her policy hadn't been renewed automatically and she faced a charge of not producing valid documents when asked to by the police. The FOS found in her favour (even though she admitted ignoring the renewal letter)! The adjudicator seems more interested in protecting insurance companies from claims which might increase premiums (she admits as much) rather than protecting me (a consumer) from their breach of their own terms and conditions. I am preparing a formal complaint against the adjudicator. Does anyone have any comments they can make as to the best course of action? Or has anyone had similar experiences? Chris
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