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    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
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      One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.

      By iamgnome · Posted

      Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Policy Cancelled Advise - Octagon Insurance

Rangersw12

By Rangersw12
in Motor Insurance

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Rangersw12

Rangersw12

Posted
Posted

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 ?

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Rangersw12

Rangersw12

Posted
  • Author
Posted

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 ?

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citizenB

citizenB

Posted
Posted

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

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citizenB

citizenB

Posted
Posted

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

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citizenB

citizenB

Posted
Posted

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

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citizenB

citizenB

Posted
Posted

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

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42man

42man

Posted
Posted

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)....

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Rangersw12

Rangersw12

Posted
  • Author
Posted
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.

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rebel11

rebel11

Posted
Posted

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

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dx100uk

dx100uk

Posted
Posted

yes do a chargeback

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

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... 

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Guest Octagon Insurance Customer Support

Guest Octagon Insurance Customer Support

Posted
Posted

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

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MARTIN3030

MARTIN3030

Posted
Posted (edited)

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.

 

 

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  • 1 month later...
  • 2 weeks later...
wilkesneil2

wilkesneil2

Posted
Posted

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

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  • 1 year later...
chocdigestive

chocdigestive

Posted
Posted

@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.

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dx100uk

dx100uk

Posted
Posted
@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... 

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unclebulgaria67

unclebulgaria67

Posted
Posted

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

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