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  1. Hello everyone Thank you in advance for any information you can possibly provide uswith in our time of terrible stress and worry. The 'scenario' and subsequent journey of events and processes we have takensince. On 5th of September 2013 my wife was driving our family car with our 2children out of town in the early evening and was stopped by a marked policecar (I believe a traffic car). The officer informed my wife that they hadstopped her due to their computer registering the car as uninsured, this wasobviously at the time a complete shock, and of great concern and worry shewas apparently uninsured. She explained that we had 'taken out insurance' on the 9th of May2013 with esure (via the internet search engine Moneysupermarket). Theofficer immediately asked my wife how she/we had paid for the insurance(obviously thinking we had paid one installment then cancelled the policy andcontinued to drive, guilty until proven guilty!!!) my wife informed him we hadpaid for the insurance in one single upfront payment, and asked himto please check again. He did return to his car begrudgingly andfor a good 10 minutes we can only assume spoke to the insurance company. He finally came back and said the insurance policy had been cancelled andtherefore the car and thus my wife driving were no longer insured and so thecar would, (and was) immediately seized leaving my wife and 2 childrenaged 7 and 4 by the side of the road (to add to the situation it was my son’sbirthday and they were coming back from a cinema treat, both were in floods oftears and very traumatized by the whole incident) They would not take my wifeand children home but did stay with them until a neighbor could collect them. Due to the lateness everyone finally returned home we couldn't do anythingthat evening regarding contacting insurance companies etc, so the following hashappened from the 6th September. Due to the way esure work everything seems to be done via the internet/emailso the very first thing we have done is check all correspondence we have hadfrom them in this way. We have received ONE and only one email Dated The first two paragraphs read Thank you for choosing esure brokerfor your car insurance policy. Your cover will start from: 00:00 on 09/05/2013and your reference number is 6847 - ******-**** How much is my premium? £***.** has been taken from your creditcard ending ***** Thank you It then continues You just need to wait half an hour sowe can create your documents, including your Certificate of motor insurance,policy schedule, policy wording and key facts. Reassuring we had hoped? We have used their ‘online account viewer’ to see what documents we couldprint/download in our defense, and very worryingly they have denied access andremoved the certificate of motor insurance? We then contacted them by phone and had the following (condensed for yourreading) phone conversation Has our car insurance been cancelled? Yes Could you tell us why? No Why not? I’m not obliged to tell you Why did we not get any warning this was going to happen? We did warn you via your postaladdress We didn’t receive anything in the post where did you send it? Answer the wrong address, they hadsomehow (and they say through moneysupermarkets information) sent it to our oldaddress which we have not lived at for over 2 years!!. Why did you not contact us through any other means ie email? or phone? Nothing, they then very oddly unpromptedoffered a full refund and basically didn’t want anything else to do with us andwere very very rude and aggressive towards us. Theystill have our full initial one off payment, I don’t want it but I do want to stillbe insured!! Everythingto do with the car I.e. V5 registration, tax and my wife’s driving license, allstate our new address. The car has been insured at our new address previously.What is very strange is the police officer told my wife she does have a golf insured, my wifecorrected him and said we did butthat was over 3 years ago?? We arenow without a car, my wife especially is facing a very worrying and verystressful time with police and court processes to deal with, we have aninsurance company that don’t want to talk to us and the prospect of points onher license and financial penalties now and when we try to reinsure a new car. Aboveall this it has really affected our 2 children as they witnessed were involvedin the whole procedure What dowe do now? A step by step process and any information would obviously be sowelcomed we both cannot thank you in advance for your help and support Cambridgeblue- Family
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