Jump to content


  • Tweets

  • Posts

    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver.  (Although earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.  I don't clearly understand it, but legal advice was something to do with the role the receiver has acting as an agent for the borrower which makes it hard for a borrower to make a claim against the receiver ???).  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate app for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Policy Cancelled Advise - Octagon Insurance


Rangersw12
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3842 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I have been reading the forum and just wondered if anyone can help

 

In October I was involved in accident where a foreign tanker went into the back of me on the M1 , the damage to my car was extensive and the car was written off , the claim hasn't been settled yet but I have managed to get a new car and took out new insurance with Octagon

 

My policy started on the 21/11/2011 and I had to provide proof of no claims within 28 days as standard on the 10/12/11 I received a letter from Octagon advising my policy will be cancelled on the 19/12/11 if they do not receive the documents , I advised them that I have been trying to obtain it from my previous insurance company and it had not yet arrived , I did try and confirm my no claims over the phone but they refused and needed it in writing.

 

after 3 or 4 calls to my previous insurance company I finally got proof of my no claims on the 16/12/11.

 

On the 16/12/11 I rang Octagon to advise I have now received the documentation and that I will be sending it first class post that day , I was told that if it wasn't there by the 19/12/11 I would be given 7 days grace.

 

Today I received a text saying my policy has been cancelled as they had not received the documentation , I immediately rang them to advise I sent the documentation and that I had 7 days grace , I was told that because the person did not write it on the system then it did not stand and that they do not reinstate polices.

 

I paid £200.00 deposit and £81.00 first instalment and have been told I will not be receiving any of that back. The attitude of the staff was disgraceful and they basically said they will not do anything for me and I need to take out a new policy and pay a new deposit ( I cannot afford to do this )

 

I asked to speak to a manger but this request was refused and was told I had to write to a compliance officer who will deal with it in a few weeks I'm lucky.

 

I have done everything in my power to get the documentation to them and I do not believe they have treated me fairly. I'm now uninsured 3 days before Christmas and cant afford to get new insurance with another company

 

Please can anyone give me advise on how I can make a complaint or if anyone has been in this sort of situation before ?

Link to post
Share on other sites

Hi

 

I have been reading the forum and just wondered if anyone can help

 

In October I was involved in accident where a foreign tanker went into the back of me on the M1 , the damage to my car was extensive and the car was written off , the claim hasn't been settled yet but I have managed to get a new car and took out new insurance with Octagon

 

My policy started on the 21/11/2011 and I had to provide proof of no claims within 28 days as standard on the 10/12/11 I received a letter from Octagon advising my policy will be cancelled on the 19/12/11 if they do not receive the documents , I advised them that I have been trying to obtain it from my previous insurance company and it had not yet arrived , I did try and confirm my no claims over the phone but they refused and needed it in writing.

 

after 3 or 4 calls to my previous insurance company I finally got proof of my no claims on the 16/12/11.

 

On the 16/12/11 I rang Octagon to advise I have now received the documentation and that I will be sending it first class post that day , I was told that if it wasn't there by the 19/12/11 I would be given 7 days grace.

 

Today I received a text saying my policy has been cancelled as they had not received the documentation , I immediately rang them to advise I sent the documentation and that I had 7 days grace , I was told that because the person did not write it on the system then it did not stand and that they do not reinstate polices.

 

I paid £200.00 deposit and £81.00 first instalment and have been told I will not be receiving any of that back. The attitude of the staff was disgraceful and they basically said they will not do anything for me and I need to take out a new policy and pay a new deposit ( I cannot afford to do this )

 

I asked to speak to a manger but this request was refused and was told I had to write to a compliance officer who will deal with it in a few weeks I'm lucky.

 

I have done everything in my power to get the documentation to them and I do not believe they have treated me fairly. I'm now uninsured 3 days before Christmas and cant afford to get new insurance with another company

 

Please can anyone give me advise on how I can make a complaint or if anyone has been in this sort of situation before ?

Link to post
Share on other sites

I will try and find some help for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

How did you pay the deposit and first installment? I wonder if you can do a charge back if you paid either by credit or visa debit card ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Strange, you had two threads for the same purpose. I have merged them for you :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I have flagged your thread for site team.. I am sure someone will be able to advise on this.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

What poor treatment, you seem to have done all you can with more than a reasonable amount of effort, the stupid thing is if you took it to the FOS (who would charge the company £500 to investigate your complaint) you would probably win....I know it leaves you in a very difficult situation nut if it was me then I would be writing a strongly worded letter to the company's CEO / MD - Andy Powell looks to be the MD of the group (Europa Insurance Group)....

Link to post
Share on other sites

What poor treatment, you seem to have done all you can with more than a reasonable amount of effort, the stupid thing is if you took it to the FOS (who would charge the company £500 to investigate your complaint) you would probably win....I know it leaves you in a very difficult situation nut if it was me then I would be writing a strongly worded letter to the company's CEO / MD - Andy Powell looks to be the MD of the group (Europa Insurance Group)....

 

Thanks for the advice

 

I'm going to contact the FOS tomorrow morning and see what they say

 

I have looked for the contact details for Andy Powell but could only find the standard address , will send a letter there and hope for the best.

Link to post
Share on other sites

Agree with 42man completely, you might want to mention in your Formal Letter of Complaint, mark it as such, that it would cost them more if you take the complaint to the FOS, then if they resolve the matter today, they'll save money and have a happy customer.

I've got chris.[email protected] as the e-mail of the Managing Director.

 

Some tips :- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Guest Octagon Insurance Customer Support

Dear Rangersw12, We are very sorry to read about the experience you have received with Octagon Insurance to date. As we are unable to identify you from your post and would very much like to resolve this situation for you, please could you email us on MSE AT octagoninsurance.com - Your name - Your Policy Number - A contact telephone number - A convenient time to call you Thank you Octagon Insurance

Link to post
Share on other sites

I can confirm that we have been approached by Octagon Insurance who are keen to help sort the issues.

Access for them to be able to do so,is being enabled.Meantime they have asked us to post this;

 

Dear Rangersw12

 

We are very sorry to read about the experience you have received with

Octagon Insurance to date.

 

As we are unable to identify you from your post and would very much like to

resolve this situation for you, please could you email us on

[email protected]:

- Your name

- Your Policy Number

- A contact telephone number

- A convenient time to call you

 

Thank you

 

Octagon Insurance

 

Please be aware,that we expect Company reps who have been given permission to deal on the site in an official capacity,to follow site rules,and post openly.

We also expect threads to be updated and any progress reported.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

  • 1 month later...
  • 2 weeks later...

hi, i've had exactly the same outcome from taking out my policy in January with this company.

I have sent my NCB from swiftcover twice but actually cancelled my policy on 23rd feb, wrote my letter to notify me on 29th feb and received letter 2nd march. no other correspondence from them at all regarding anything and they keep going on about a new policy with £150 deposit all over again!!!

 

i ihave wrote a basic e-mail to chris hill, mse & customer servives.

i have put my points forward to see where i can get with them

Link to post
Share on other sites

  • 1 year later...

@wilkesneil2, funnily enough I'm experiencing the same issues as you Did you have any luck with them in the end?.

 

I called them today to no avail - their customer service is very disappointing and they don't seem to empathise with you about such a relatively small matter.

 

Fingers crossed that they will come to some compromise or resolution - though I suspect, given they're already had my initial deposit they don't really care now - they see it as a potential to restart the policy and gain additional revenue.

Link to post
Share on other sites

@wilkesneil2, funnily enough I'm experiencing the same issues as you Did you have any luck with them in the end?.

 

I called them today to no avail - their customer service is very disappointing and they don't seem to empathise with you about such a relatively small matter.

 

Fingers crossed that they will come to some compromise or resolution - though I suspect, given they're already had my initial deposit they don't really care now - they see it as a potential to restart the policy and gain additional revenue.

 

this thread is more than 18mts old

you need to start a new thread

 

you post will not be seen here

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

If you want to resolve matters phone this number to register a complaint and they should resolve.

 

01454

 

423233

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...