Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Results 1 to 7 of 7
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Hajra Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 4 (0.46 post per day)

    Default XS Direct 3k Total Excess

    Hey can I just ive read this thread and your support and advice has been amazing! I’m now in a similar situation

    I will be writing to the Ombudsmanicon luckily I have your points that you mentioned to add in.

    I hit a car I was only doing 30mp and there was no scratches on the car. I received a lettericon further on saying I owe Xs 3000.

    I rang them saying what does the cost cover, the first agent said it’s for repairing the car. I said show me a the invoice so I can see what needed to be fixed.

    I was first advised it is against their policy to send reports.
    He then said the 3000 is regardless of what if costs to fix.

    I then further complained, they have now sent me a report which I find strange considering the agent said it is against their policy.

    I will attach the report shortly.

    I hope Ombudsman support my view that Xs is a fraudulent company!

    Any further advise would be much appreciated.

    Hajra


  2. #2
    Royalties Account Holder unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 15,519 (5.02 post per day)

    Default Re: XS Direct 3k Total Excess - Worried regarding Debt Collectors

    Hajra, you should start new threadicon about your specific case. If the amount xs direct have paid out to the third party is less than 3000, then you should only be liable for relevant sum. And you can arrange repayment over as long a period as you want to, if the policy states no terms for repayment.

    Make the complaint to xs direct first and then you can go to the fosicon, after xs direct final responseicon or after 2 months of the complaint being deadlocked between you. Follow the FOS complaints process to the end and if you have to pay xs direct, then offer the amount over as long a period you think is reasonable.


  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Hajra Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 4 (0.46 post per day)

    Default Re: XS Direct 3k Total Excess - Worried regarding Debt Collectors

    They emailed me this :

    As you are aware, your policy carries a 3,000 excess.
    That means that any costs incurred below that amount are your financial responsibility.

    You received a lettericon on 11 June stating that you are required to pay 3,000 within 14 days.
    We settled the Third Party claim on the best available terms to us for the amount of 3,880.65 (of which 3777 was for repairs and the balance was the engineer’s fee).

    The attached report from the engineer states that the vehicle repairs amount to 3777.

    The agent on the phone first did not tell me the costs cover the fee he says he was unable to give a breakdown. There’s no way it cost 3777 to fix the car as the collision was minor. I’m sure this is made up.

    They then says this:

    As we have acted in accordance with terms of your policy and dealt with the claim in a fair and reasonable manner, we are unable to uphold your complaint. Any excess requested remains payable.

    Please accept this as our final responseicon.
    Please note that should you still be dissatisfied with our decision or the way in which we have handled the matter, you have the right to refer your complaint to the Financial Ombudsmanicon Service, free of charge
    – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

    So I’m guessing I can now respond to the FOS?

    I’m worried my case will be similar to Jayden’s!

    I said to Xs I was advise clearly of the 3000 excess to all third parties and in that email they don’t make or clear again. OS
    Can I use this against them?

    Follows
    0
    Following
    0

  4. #4
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Hajra Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 4 (0.46 post per day)

    Default Re: XS Direct 3k Total Excess - Worried regarding Debt Collectors

    I wasn’t I mean! *


  5. #5
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 117,967 (27.72 post per day)

    Default Re: XS Direct 3k Total Excess

    Own thread created
    Please post here now

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  6. #6
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Hajra Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 4 (0.46 post per day)

    Default Re: XS Direct 3k Total Excess

    Hi There,

    sorry i am unsure how to use this!

    In the policy handbook for XS is doesnt mention repayment terms.

    The email they sent yesterday said this:

    "I wish to advise that I have investigated your complaint and can now issue my final responseicon.



    As you are aware, your policy carries a 3,000 excess. That means that any costs incurred below that amount are your financial responsibility. You received a lettericon on 11 June stating that you are required to pay 3,000 within 14 days. We settled the Third Party claim on the best available terms to us for the amount of 3,880.65 (of which 3777 was for repairs and the balance was the engineer’s fee). The attached report from the engineer states that the vehicle repairs amount to 3777.



    As we have acted in accordance with terms of your policy and dealt with the claim in a fair and reasonable manner, we are unable to uphold your complaint. Any excess requested remains payable.



    Please accept this as our final responseicon. Please note that should you still be dissatisfied with our decision or the way in which we have handled the matter, you have the right to refer your complaint to the Financial Ombudsmanicon Service, free of charge – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances."

    In her email she did not mention third party. also over the phone when i bought the insurance im sure the agent did not mention it either or make it clear otherwise i would not have gone ahead.

    I'm worried the FOS will do what they did to Jayden, how can i structure my complaint in a way it gets through to them? XS are disgusting they need to be stopped!

    Also, when i rang to complain the agent said the 3000 was to fix the car, i said i want to see an invoice he said it is against company policy to hand one but now they have emailed me one and apparently the car needed 12 parts to be repaired which is a lie! Its cheaper to replace a whole engine of car then this.


    Please advise?

    Thank you!


  7. #7
    Royalties Account Holder unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 15,519 (5.02 post per day)

    Default Re: XS Direct 3k Total Excess

    Yes you can go straight to the fosicon. Do this as soon as possible and notify xs direct you have done so.


    Your complaint is 1) unfair contract terms as stated in the other thread you read. and 2) xs direct did not engage with you at an early stage in the claims process, so you could scrutinise third party claim costs and therefore mitigate any possible debt that you might become liable for. Had you been given opportunity to challenge third party claim costs, you might have been able to reduce the amount of the third party loss.


    In the meantime, submit a data protection request to the xs direct claims department for copies of all data/documents processed for the claim.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details