Thanks got it now. It was what I was looking at originally. Thanks for your help. I have lots of sums to do lol

Hi Slick, Thanks for your help so far. I am referring to page 10 step 5 where THIS is. Dunno if I am being thick lol. Also your direct link was to barclaycard, I am barclays bank. Should it be article 5 POC which you get after clicking THIS and scrolling down. Thanks

Hi Slick, I have read all of link one but on page 10 it says 'copy and paste THIS' but when I click on THIS the next screen is blank until the bottom where there are articles. Am I meant to copy and paste the POC which is article 5 onto the N1 form? Thanks:)

Thanks for your help

Hi I was wondering whether once I send off my claim to the bank and they reject it due to the FSA waiver, does that mean I am in line for refund if the court case goes in our favour? Or do I have to file a court claim after being rejected by the bank to be in the system for a refund? I mean is claiming from the bank enough. Also are people asking for interest at all? I think I am going to try claiming the proportion of overdraft interest due to charges. A question though, once received by the bank and officially in queue is the 8% statutory interest accruing or does that only start when a court claim is submitted. Just asking in case I don’t get the first. Thanks

Well what do you know, esure have now relented and have not cancelled my insurance!!

Cheers mate, like I said once I thought about it it made sense what he said, it's just the being lied to that annoys me! I think I may have a bit more leverage for them to allow me to transfer NCD to Hyundai. Not looking to buy a Nissan 100NX are you?

Firstly thanks to my wife for letting me use her account and get this off my chest. Secondly I know I may have been a bit daft, but still very annoyed as I hope you will see! I own a Nissan 100NX with insurance valid until 22nd August 2008 with Admiral, I recently bought a Hyundai Coupe and insured it with Esure (via the website). I could not bare to part with the Nissan so kept it. Esure requested my Proof of No Claims Discount, so I sent them my documentation from the Nissan. Today (6th May 2008 ) I received a letter form Esure saying that as my policy is still valid it is not acceptable proof of No Claims Discount. I phoned Esure and was told that as it is 'common knowledge' that you can not use valid insurance to transfer to another car, I asked where this was quoted in the policy documentation and was told 'as it is common knowledge the FSA have said insurance companies do not need to quote this anywhere in their policy documents' This does make sense once I thought about it, but just to check I phoned the FSA and was told they do not and have not made that rule. They gave me two bits of advice 1. Phone Esure and ask for evidence of where the FSA say this 2. Ask Esure if they will keep both policies open and raise my excess until the Nissan policy expires. I phoned Esure back and explained I was a bit annoyed at being lied at especially as I was told the FSA had given this advice. The lady on the phone said 'I apologise on behalf of the previous agent you spoke to and the company, actually not the company just the other agent.' She could not help me with the other enquiry about excess but the sales manager would phone me back before 8 (15 minutes to go!). I would like to know if anyone thinks I have valid grounds for a complaint, or just put it down to experience. Cheers