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hi

i.m helping a friend with bayv but haven.t a clue what is what .

 

i know u don.t need their insurance and she.s got home insurance,

 

always have ,

 

they.ve even seen it for them selfs.

and what i believe is ,

as in the same boat myself with bh that it.s illegal to have two insurances on products .

 

the thing is their paper work don.t say much on the insurance product

 

i know she got them but what it covers i haven.t a clue also she.s being charged interest on the insurance product is this legal.

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Why is she being charged interest on the insurance product - she hasnt taken a loan from BAYV for this, has she ?

 

I will flag your thread for more advice.


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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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hi it states 1x warranty for the item she had £50 then at the bottom 19.68 interest 19.70 %.thats just 1 contract she.s looking for the rest she seems to have a lot for the same one but no signtures.

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now lookinf at it its a loan agreement how the eck is that right can they give you a loan for an insurance product and not tell you that.

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jesus its on all of them their warranty is a loan with interest and was never told this your not only getting ripped off by their over priced insurance but being charged interest on top. what shoyld she do collection due on friday and i know she.s not got the money as she unpluged the box from tv.

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I have alerted someone on the site team who has more experience in respect of BAYV.. I am sure they will look in soon.


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

 

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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I have alerted someone on the site team who has more experience in respect of BAYV.. I am sure they will look in soon.

 

many thanks can.t believe what i was reading mind.

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hi ya a22...me again..

 

 

if you look in this forum

you'll see there are loads of people

 

that are

 

and

 

that HAVE

 

reclaimed it and their other 'compulsory' insurance too

 

99.9% of people have no idea they are NOT conpulsory

 

REGARDLESS to any T&C's Bayv might try and force on people.

 

but ofcourse the sales rep made a nice healthy commission upon selling them..........

 

you DO NOT need to have any insurances inplace on HP agreements

 

one point..

 

its not ILLEGAL - its not a CRIMINAL matter, thought it SHOULD BE!!

 

go get them both reclaimed

 

plus the interest they charge on them

 

and dont forget

 

as with a PPI reclaim [treat it the same as]

 

you are also entitled to 8% stat int back on each payment too from its 'date'

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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so get her to do the same as what i.ve been doing with bh .get writing is it breech of contract if your not told that the insurance is a loan also.and thanks again.

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the esp insurance

 

do you know if the same as bh dlc insurance .

 

also got a contract here saying goods covered by esp both items N for no then next box the premium payable 2.68 total 418.08 .

 

also theres some thing on there about a secondary agreement and a weekly payment of 1.13.

 

just to say on these items she made herself known that she didn.t want insurance

and showed her home contents and took insurance with domestic and general they even took a picture of insurance at her home.

 

so this was missold .

Edited by arianna22

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well as already stated

 

there is NO requirement in ANY of the HP agreement condition

anywhere on the the net that says an HP agreement must be covered by insurance

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well its not what they say

 

what she was told was if you don.t want the insurance you gotto send us a copy of your house contents and we.ll take it off

 

but instead she showed them when signed up .

 

god what a complete lie

 

so same with brighthouse cause i thought u had to have the dlc cover if no home contents as this is what i hear all the time .

 

i.ve been telling people to claim theirs back

 

some didn.t even know what they where so u can guess they had them.

 

isn.t there anyway we can make trading standards really look into this like banks

 

its totally unfair cause people who are already in money trouble get done .

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Dear Arianna 22

Under the terms and conditions of the agreement, a customer must appropriately insure goods being purchased from Buy As You View. EPS insurance is offered by Buy As You View. It is Administered by Castelan Limited and underwritten by Ageas Insurance Limited.

EPS is not compulsory. The customer can choose to insure their products with another Insurance company if they so wish. A customer must produce a certificate of insurance as proof that the goods are appropriately covered. If a customer can prove that they have adequate insurance in place since purchasing the products, we can process a refund of EPS payments.

The EPS Insurance payments do not attract interest and it is not a loan. It is a pay as you go insurance product. The payments are a small weekly amount for convenience and affordability.

EPS covers customers for accidental damage and theft. Should any of these unfortunate events happen and a claim is approved, a full replacement of the product will be given.

In addition, a warranty known as “All Sorted” can be purchased by customers if they so choose. A leaflet and dedicated website is available for more details on this. However, in summary All Sorted gives unlimited repairs, Loan products, no call out charges, no fault found no charge as well as a number of other benefits.

A customer can choose to buy this for cash, or All Sorted can be financed by Buy As You View. All Sorted is also not compulsory. Some customers choose to purchase it because they want complete piece of mind should anything go wrong during the period of their agreement.

I recommend that you contact your Customer Account Manager or call us on 0845 121 5690 if you require any further detail.

Many thanks

BAYV

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well house contents insurance covers this then and am told its illegal for someone to make a claim twice on a item .on these contracts eps should never of been sold and there are payments being taken and not a clue why whats a secondary agreement .and some of the contracts haven.t even been signed by either if us.and under the supply of goods act you haven.t got to have insurance there are no terms in hire purchase stating that your items have to be insured .

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I would simply start the process for reclaiming all the premiums back.

 

If this has definitely been mis sold then you will of course be entitled to the appropriate compensatory interest.

 

IMHO, you should make both Trading standards and the Financial Ombudsman aware of the way in which your friend was sold this insurance cover.


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

 

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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you don.t need the insurance at all your items are covered by the supply of goods act under hire purchase so if they do breakdown you should get them fixed anyway .

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well my friends got a response by email and pretty quick to is happy to refund esp once insurance docs are produced but not the all sorted warrenty as she used it for her hoover that broke first year she.s entitled to have it fixed anyway and even though she ain.t got warrenty on fridge well she.s not suppose to it broke down within a 2 month of having it and had many problems with it also but like they said it was covered under the first year warrenty and it was repaired no problems. they won.t pay that so will have to go small claims root so many docs here with no signatures and we also found out that she had to pay £78 to cover her tv from breakdown cause the box was attached over 3 years best bit is first item was for 2 years a cooker the tv was bh and only a few months old and had insurance on it not once was she told about this ,and even better they never cancelled the payment and owe her 13.50 guess this was the second aggreement that we couldn.t figure out what 50p a wk was for.well another small claims here we go.also all insurance as been cancelled.

Edited by arianna22

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please add blank lines to your posts

 

use the edit button in the gray toolbar.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Well bayv said they.ll send cheque out on thursday last week second class post and it was sent you can guess the rest its not been sent even though promised and should receive it tuesday lastest.also why don.t anyone know who elanie mockler is thats weird must be a made up person .

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