Many thanks Craig, Will do. I posted this thread on MSE too. Got lots of help from some very kind people. And ......... the CEO of iCarhireinsurance himself signed up yesterday to MSE and replied to the thread !! forums.moneysavingexpert.com/showthread.php?t=3057530

OOPS, Sorry I missed the length of the cover bit and did not write my original post well. Its an annual policy I purchased. So I had used 6 days out of 365 days at the time I wrote to cancel the policy. I will add this now to my original post too.

Hi all, I am abroad due to work and was planning to go back to the UK soon for a couple of weeks before coming back out. Thought I would hire a car from Heathrow and use that instead of two taxi fares back and forth. While reading stuff about car rental on MSE, noticed that I should get car hire excess insurance. So had a look around and selected iCarhoreinsurance.com which came to roughly £40 for an annual policy. Was due to travel on the 10th but the flight got cancelled due to a strike by the airline staff. Next few flights were all full and instead of waiting on a chance, I changed my plans to travel when its a bit warmer. And thought I would buy an annual policy again when I travel. I purchased the policy on 9th Feb and went through quidco that gives £13. So the policy would really cost me £27. I thought I would give my friend's address so if they do send anything by post (like a cover note etc) he can let me know immediately in case I need to sign something. Paid through my credit card which is registered to my permanent address. All went through ok and I received the key facts and policy wording pdf docs pretty much straight away. When all my flight plans got delayed, I thought I should cancel the policy for now, and buy it when I will take the flight home. So on 15th Feb I wrote an email to the company ([email protected]) to find out how they would issue the refund, would they issue a cheque or just straight back on my card I paid with. email is as below: ------------------ Hi, I purchased a European annual policy (details as below) on 09/02/2011 but is not required any more. If I wanted to cancel the policy in line with your 14 day cooling off period, how would you refund the money? Would it be back on my card that I used to pay? Look forward to hearing from you, Yours sincerely, xxx ------------------ I received a reply from the customer service as below (mainly saying that my premium is not refundable !!! Hello Mr. XXX Thank you for contacting iCarhireinsurance.com Your policy incepted on 9th February, therefore under our Policy Cancellation Rule, your premium is not refundable. We have provided the cancellation wording as expressed in our policy documentation sent to you within the confirmation email when you purchased the policy. Cancelling this Policy Within 14 days of purchase: If within 14 days of purchasing this insurance You decide that it does not meet Your needs, Your premium will be refunded in full minus an administration fee. If however within the 14 days and/or since inception You have travelled, made a claim or intend to make a claim, or if the policy has incepted, then the premium will not be refunded. After 14 days of purchase: If You decide to cancel the policy after 14 days of purchasing, then no refund of premium is available. If however, Your policy has not incepted, then Your premium will be refunded in full minus an administration fee. If you have any other questions, you can call us anytime between 10:30am - 4:30pm Mon-Fri. Regards, Customer Service ------------------- Thing is, I know its not a huge amount of money, but to have a policy against the FSA Rules of 14 day refund and simply refuse to pay is just taking the P*** :mad2:

Please tell me if I have posted in the wrong section? The bank is calling me and told me that it is me who has lost this money and not them and are starting to threaten me :help:

I have been a member here and been reading some of the very interesting cases and expert advice that has helped people. I need some urgent help desperately from the very nice and knowledgeable people here: I have a Credit card with RBS with £5700 limit. I have a secondary card on my account for my brother in case if he ever needs to use it for his travel. So far this card has seen very little use between us as the 0% offers are not very good, and the general interest is very high. 2 days ago (Friday 14th Jan 2011) I saw on my Barclays current account statement online that RBS has taken £39 by direct debit. I dont remember having used the card so I thought they might have charged me wrongly for something. I am currently abroad for work (and have all my card with me). So I registered for their card online services and logged in. Found out that the card had been used somewhere in east London area. £677 spent in Asda Dagenham (13 December 2010), £418 in Tesco Beckton(13 December 2010), £500 withdrawn from RBS ATM in BP Loxford, and then £200 withdrawn from RBS ATM in Tesco Kensing next day (14 December 2010). So I immediately checked online how to report card fraud, and made a pretty expensive phone call to the fraud team on 01268508020. Told them that I was outside the country and had not used the card for a few months for anything. They went through the usual security questions and asked for thr card security number etc to establish I still had the card. They enquired about the 2nd card and I told them that was safe too as far as I knew. They asked me to find out and ring back with the card security number of that card too. In the mean time they would cancel both cards. I told them thats fine and requested to not issue the replacements as yet as I am out of the country and didnt want the cards getting in the wrong hands (and go through this rubbish yet again). The lady I spoke to (Maggie) informed me that all the transactions were Chip and Pin transaction. she also said that she will not pass on the info to their fraud department for them to look at until I give her the card security number for my brothers card. I then phoned my brother in the UK and asked him where the card was. He said last time he looked at his cards around 17t December weekend, he didnt see it and hence thought that it was at home with the rest of other important stuff in his desk drawer. So I asked him to check the whole room out and see if he still has it. A few hours later he confirmed that the card is no where to be seen in the whole house let alone his room. I had a feeling that my policy with CPP (Card Protection Plan which I had purchased through Barclays as far as I remember) may still be valid. I phoned them on 01904544622 as asked if they can check if I have a policy with them. They checked and confirmed I have a current policy. I took the policy number down. Later on, I phoned CPP and told them that the RBS card that is regsistered with them has gone missing and while checking the statements, I can now see some transactions that we didnt make for December time. They checked and confirmed that all of them are Chip and Pin transactions. They got their fraud investigator to give me a call back (saving me some money atleast). I informed him that my brother had noticed that the card was not there around the 17th December. he said he will start the investigations, inform the card company immediately and will be in touch. This morning 24th Jan 2011, I downloaded the CPP policy document from barclaycard website and noticed that Condition A1(d): You must report lost or stolen cards to us by telephone within 24 hours of discovering the card loss; Section B1: We will not pay: • more than £100 per card where your personal identification number (PIN) has been used. Also I just noticed that I can no longer log into RBS credit card services! Can any one please help what I should do???? As the card was REALLY first sort of noticed missing (without being 100% sure at the time) on or around 17th December weekend, I am now informing them more than a month later. According to the conditions above it has to be reported within 24 hours. Is it actually possible for someone to work out his PIN number and abuse the card? as according to the conditions above they will only pay upto £100 (out of the £1800 approx total). Do I still need to ring up RBS and inform them that we dont have the card security number because my brother has lost the card already back in December? Any suggestions regarding what I should do now? Please please someone help :sad: PS: MODS, please move to the correct section if I have posted here wrongly. Sorry.

Red Rebel, Many thanks for the links. I saw the link from Etihad you posted before but as far as I could see it didnt give an age or even weight limit on this page. According to a CSR, "not everything is on their website"

hmm, so far have travelled with Emirates and Amman airline too, both didnt mention 4 months..actually they didnt mention 10 months either. May be some airlines are putting a 4 months limit :?

My first post, so first of all, hello to every one, and thanks for taking time to read. I have eben a reader for a long time, and the forum has helped me alot especialy dealing with Paypal and the likes. Please let me know if some info is missing from the description below I booked my flight with Etihad airways on 20th August to travel on 26th November 2009. The booking is for myself, my wife, and our baby daughter who will be 11 months old on the day of travel. So far we have tried to get the front row seats (first seats of the isle but have been told that we can not have them. I have made several calls to the customer services and get through to CSR's in India. I have spoken to a few CSR's including these (this is not the complete list). All times are GMT. 1. Nuri (14th September 2009 at 12:32 pm) 2. Mumta Singh (29th September 2009 at 10:15 am) 3. Kaizad (29th September 2009 at 10:19 am) 4. Viren (29th September 2009 at 12:25 am) The result so far is distressing. So far we have been told that it is Etihad airlines policy that we can have a bassinet because the infant will be over 10 month. But strangely at the same time, we have been told that a bassinet and front row seats can be allocated if they are available and if we ask for it at the time of check-in at the air port. Please note: 1. Up until today, we have NOT seen this policy written down anywhere while purchasing the flights on Etihad airways website. 2. as we travel with other airlines too, no other airline has so far mentioned any age limit for our daughter to have the bassinet. They have however mentioned the weight limit of 15 KGs which has never been a problem as the weight of our daughter is currently 8.2Kgs precisely. I do NOT expect this it to even reach 10Kgs by the time we fly. 3. We have been told by Etihad CSR’s to TRY at the airport to see IF the check-in staff will give us the bassinet and the front seats, the question arises, why the policy of Etihad airways will be broken IF there was such policy. 4. IF there was such policy in place then why the rules can be bent, as this would be providing false information on the policies, not to mention the safety on board. 6. The lady on the phone who has confirmed this in writing by email (Mumta Singh) has also informed me that apparently this is an IATA rule, but when I asked her, she failed to provide me a reference to IATA policies, where it state that a baby who is either older than 10 months or over 10Kgs can not have the bassinet AND the parents can not have the front row seats. This is misleading the customers actively by quoting information that either doesn’t exist or the person quoting it has no idea about the source of their information. I basically wanted to get front row seats confirmed, so that if the weight of our daughter is within the limits, we at least have a chance to have the bassinet. The situation currently is that we dont have the front row seats, which means that even if our daughter is within the weight limit set by Etihad, it is still 0% chance of having the bassinet. We were not told this rule when we bought the tickets. When I questioned the CSR about this, they simply said "not all the info is on the website" and thats why we have a "toll free" number to contact the CS !!! So far they have told me to write to "[email protected]" which I did but absolutely no reply yet, not even a confirmation or a tracking number of my complaint. As I have some time before I travel, I would like to sort this out. All you clever, legal minded people, your help is very much appreciated. Many thanks. GB