Thread: Direct Line Family Legal Protection

Direct Line refused to pay for me to see a solicitor totake on the banks over credit card charges and damages because 'a credit card contract is not a contract for a service' in the terms of the 1982 Delivery of Goods and Services Act. I called them on this and they took a step back, changed their argument to, 'we need to know how much you intend to claim, so that we know it's worthwhile,' (no provision for them claiming this in my insurance contract). When I called them on this saying that I wouldn't know how much I was going to claim until I saw a solicitor, they changed the argument yet again to, 'we can't cover you because you took out legal insurance after the date of the 6 year limitations period on the charges that you want to claim back.

Messing me about or justified?

Martin B

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In my experience with DL, if it's black and white they'll pay up.

But, if its grey (or they think it is), they'll keep trying to fob you off.

From what I've heard though, they tend to sit up and take notice if you get the fos involved.

You can download a Complaint form from Financial Ombudsman Service

Good luck!

Thanks..I've done this and they've now agreed to fund me. They are taking their time though.8-)

keep us updated on this - this would be handy to know