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    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
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CoverDirect Cancelled Policy


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Hi All,

 

Been a while since I posted on here (I'm usually a silent reader) but need advice.

 

Approx last March I moved into a rented property with a few friends and took out contents insurance with CoverDirect, made all payments on time and never had any problems. How ever 4 months later due to personal circumstances I ended up moving out of the shared house.

 

As the friends were staying on I called up CoverDirect and asked if the account could be transfered to one of them, they told me this was not possible that I would have to cancel my policy and one of them take out a new one, so I requested they cancel the policy and thought that was that.

 

However in the close to a year since I moved out I have recieved constant calls from CoverDirect claiming I owe them money (Unsure exactly how much there currently claiming but it was well over £100 at some point last year just a few months after I moved out, despite my annual premium having only been about £120

 

I have repeatedly told them I no longer live at the address in question, that I moved out and cancelled the policy and as far as I am concerned I don't owe them anything, this has all been over the phone as they do not currently know where I live and I don't want to change that if I can help it.

 

The last time they phoned a few days ago they said they woud be taking action against the address the policy relates to, I reminded them once again that I no longer live there (neither do my friends they moved out a few months after me) and they said they would trace were I live.

 

Hence here I am asking for opinion, am I best just ignoring them as they don't have an address for me?

 

Many Thanks

 

p.s is it possible to change my username?

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See below.

Edited by unclebulgaria67

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Next time they phone, ask for the CoverDirect complaints address and email address. Complaint is that you were not told of the cancellation rates/fees at the point of cancelling the policy, which is required under FSA rules. Then make a formal complaint in writing or email.

 

Check your credit record using the Experian and Equifax free trials, just in case a default has been applied which could affect other services.

 

Once you have a complaint ongoing with the company and if necessary the FOS, they have to stop collection activity. They may decide to write off the amount, as if you went to the FOS, it would them a £500 case fee and you nothing.

 

But don't do nothing, as you will regret it. They will just sell on the debt and you will have harassment for years to come.

 

You can't change the user name. If you want to change, just set up a new account.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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