- I am considering negotiating £9500 even though i think i should be able to ask more but i also prefer avoiding court. what is the next step, should i just send them a letter that detail my request ?

- direct debit failed for not enough money on that day on the account. - a £350 has been sent to my address as compensation for the stress, i didn't not yet put it on my account. . First they offer £100 that i rejected over the phone. they then increased to 350 by mail. - compensation to be transferred into your nominated bank account". means the cheque is addressed to my bank account

Hi Clare Thank you for your reply Attached is the letter. I haven't received a letter from the bank. £9500 breakdown: I expected a revenue of around £17,994.48 between October 23 and December 4, 2023, which was my last year's revenue. However, I only managed to generate £11,043.73, resulting in a loss of £6,951.48. Additionally, the cost of hiring and training a new driver is estimated at £2,500, as the process will inevitably slow down my business operations. I haven't added any other financial requests but i haven't quantified the extra work I had during and after this period & the stress resulted. Final Decision Letter.pdf

@BankFodder Hi , it took quite a long time to go over all the recordings and emails. But i have done that.Looks like i have the things i need to go to the next stage

@bankfodder I received their answer with the data provided.

i just sent it yesterday.

i have sent the SAR. Now just waiting.

sure, ok, will do that asap, thank you

thank you and sure, yes, everything is in writing, i have made sure to write to the insurance during the time they stopped to remind them about facts, also had calls with them that they recorded, and they also sent a letter acknowledging the fact they made a mistake. the insurance was under my company name yes

Hi, thank you all for your prompt responses. I apologise for only being able to reply in the evenings; I'm the only driver for my plastic-free grocery delivery service, and I'm busy with deliveries throughout the day. My insurance provider is NFU Mutual, currently the best option for my unique business, which involves using an electric milk float as the delivery van for plastic-free groceries, fitted in the van with a custom-made design and containers display. I conduct deliveries every day from Tuesday to Sunday, covering North London, and also run a small shop that I can open when not delivering or when I have a driver which i used to have until my issue with the insurance. The bulk of my revenue comes from deliveries, and the shop serves as an additional source. When my motor insurance was unexpectedly halted, the shop became a crucial alternative, allowing me to redirect customers there, and ensure a minimum revenue. However, its accessibility was limited for many of my customers. The delivery aspect is essential as it enables me to reach people who face challenges in physically shopping, such as those with disabilities, young children, the elderly, or those without transportation or time. During the period when my insurance was suspended, I decided to use my private car to continue reaching customers. However, this posed significant challenges as my usual operations involved utilising the van to pick up customers' containers, fill them on the spot from the van, and deliver them back. The transition to my private car required entirely different and more time-consuming procedures. Handling the shop, managing deliveries, addressing customer service concerns, dealing with booking cancellations, and navigating the insurance situation—all on my own, alongside caring for my two children—left me finishing each day extremely late and starting very early. The entire month took a toll on my physical well-being, compounded by the stress of uncertainty regarding the insurance investigation, and whether my company could endure the financial setback.

Dear National Consumer Group I hope this message finds you well. I am reaching out to seek legal advice concerning a significant issue I encountered with my current business motor insurance. The details of the situation are as follows: On October 23, 2023, I discovered that my company's insurance coverage had been terminated due to a missed payment, of which I had not been previously informed. Despite notifying the insurance company of my change of address through multiple emails, reminders were sent to an outdated address, leaving me unaware of the missing payment. When I inquired about the situation over the phone, the insurance company assured me that I could reinstate coverage by promptly making the missing payment. However, after the payment was made, they informed me that they could no longer cover my area in London and so they had to stop my insurance. This unexpected turn of events caused a considerable amount of stress, particularly as my business relies on a unique vintage milk float from 1972 for deliveries of plastic-free groceries. Due to the vehicle's age and purpose, finding reasonably affordable insurance proved to be a challenging task. Despite my efforts to secure alternative coverage through brokers and insurers, I was unsuccessful, leading to a temporary halt in my business deliveries. I also initiated a complaint regarding the incomplete change of address process, which underwent investigation by my insurance until November 30, 2023. They acknowledged finally their mistake and It wasn't until December 4, 2023, that I was able to reinstate my insurance. During this period, I faced a significant financial setback, impacting the peak sales season for my business, especially during the Christmas sales. During this crucial time, I sought support from my customers through various channels. Unfortunately, despite their incredible support, the financial setback resulted in a precarious position for my company, leading to a loss of revenue and the departure of my main driver, Antonio, who found alternative employment due to the inoperability of the delivery van without insurance. I have estimated the total loss to be approximately £7000, excluding the cost of hiring and training a new driver, the mental stress endured, and the additional workload undertaken to readjust my business operations. In light of these challenges, I am seeking fair compensation of £9,500 to offset the financial setbacks my business has faced. I am reaching out to you for guidance on what I am entitled to request as fair compensation in this situation and if I could request more, and how I should proceed. I have already sent out a first letter with my sales reports from last year and this year to demonstrate the loss of revenue. Additionally, they offered £350 (with a cheque they sent out) for the stress, which I find almost disrespectful. They have requested me to send a bank statement, which I am prepared to do. However, before providing any further documentation, I would like to formalize my compensation request, especially since I am now seeking legal advice here. Thank you for your attention to this matter, and I eagerly await your advice on the best course of action. Sincerely, C.