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    • they weren't enforcement officer, they were a powerless DCA.   the point of only getting 2 days to raise £1500 (not £1800 the £300 repo fee is an unlawful penalty) is one we shall use. BUT!!!....... you can't call the kettle back , you've had more then 12mts to sort this out, you haven't, so the other points are pretty much irrelevant, it works both ways .   your reply has got to be very very carefully worded in most certainly wont be tonight nor tomorrow you should answer poss by friday, you rush back with a poor reply you play right into their games. don't!!  
    • https://tinyurl.com/y484rmfk   A  Secure tenancy is Assured by 1988 Housing act   A Protected tenancy is Regulated by 1977 Rent act which is yours   Both have Grounds for possession order.   The grounds you have quoted are from 1977 Rent act, schedule 15, section 98 which are discretionary   If the LL has issued the correct "Notice to Quit" you need to show it to Shelter, CAB, Solicitor, local law centre checking to see if its correct notice or not.   Read on https://tinyurl.com/y3cdaq8s   Can you upload a copy of the NTQ in adobe pdf form to CAG with person details Blank out    
    • LOL   Four years after he kicked off the Trump presidency by lying angrily about the size of the inauguration crowd, the former press secretary Sean Spicer has applied to join the White House press corps.   The former Republican party official now hosts a show, Spicer & Co, on the hard-right and conspiracy theory-tinged Newsmax network.   https://www.theguardian.com/us-news/2021/jan/19/sean-spicer-trump-white-house-press-corps
    • I was going to go back to them tomorrow and ask them to explain why they have ignored almost all of the points I have made to them. I was also going to advise that I cannot be expected to raise 1800 in 2 days and that Surely that is going against all the ethics they should be promoting as part of CCTA and FCA. Also they say they cannot hold my account due to debt management company as it has already been escalated. Surely that’s nonsense also.    I also made a complaint re the enforcement officer who initially contacted me. I will put up a copy of my complaint to them and their reply.    Photo.pdf
    • No, didn't know I could ask for one, but I will now, unless it's too late? Sorry I pressed 'Quote' can't see another way to reply to you  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Gap insurance provider not paying? - ** RESOLVED **


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Hi everyone and sorry to start with a problem.

 

I wrote my car off middle of last month and my insurers paid out in 2 weeks. The accident was my fault and the police and ambulance were called as it was serious and I was rushed to the hospital but luckily nothing major. I have since tried to claim on my GAP insurance and they seemed not interested as I had to keep calling them everyday just to know what was happening with my claim. At first, it was always " its with the validations team, then with the underwritters, then back and forth" until about a week and half ago when I called and was transfered to the validations team who said I need to undergo a telephone interview with an investigator to acertain the full facts and details surrounding the claim.

 

My question is I thought GAP pays out when the insurance policy pays out?

 

Are they trying to delay/not pay out on my claim?

 

What is the interview about when I have already told them what happened?

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Just go through the cognitive telephone interview answering all the questions and you should not have any problems. It is not automatically the case that the GAP Insurers will follow what your Car Insurers have done.

 

The idea of the interview is to check the validity of the claim event. As long as you provide consistently accurate information, you have nothing to worry about.

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When we claimed on our GAP insurance a few years ago it was about 4-5 weeks until it was all settled, though didn't need any kind of telephone interview.

A ridiculous 12 page form, along with requesting every single piece of documentation under the sun however...

Apologies for the formatting in my posts, I do put paragraphs in but the forum removes them for some reason :(

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Its just ridiculous. The whole process shouldnt be taking that long to deal with. I sent all my documentations in on the same day, Surely it doesn't take a month to read it and then say "you will be interviewed by an investigator. If that is the norm, I am happy to be interviewed and whatever they may also want to do.

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The circumstances are that I had a car accident that was my fault, someone ran infront of my car and I swerved to avoid them. It was quite serious and the police and ambulance were called and I was rushed to the hospital. So it baffles me as to what the interview is for. The interview is next week and I shall see what this is all about and report back accordingly.

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Erm, I would hold back naming them until the interview. I don't want to get into any mess or prejudge them but its one of the main internet ones.

 

Fair do's.

 

I have an interest in this topic because I was involved in setting up the UK's first online provider of GAP insurance back in 2003. That particular company is no longer around mind (went down the pan after I left! [snigger]), but I still like to keep abreast of what's going on in that market.

 

I am curious as to who you bought your policy from. Let me know in due course, when you feel comfortable doing so.

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  • 2 weeks later...

UPDATE:

 

Had the interview on tuesday and I was asked questions about the accident and my car. They claimed there was costing for rear damage on the engineers report which wasn't on the copy that I have. The interviewer then promised to get back to me by today. I called them and they said to me they would get back to me next week. They are just doing everything possible to delay?not payout on the claim which is frustrating.

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I called them this morning and once again I got the " we are dealing with this right now and we don't need you to send any more stuff, we are going to send everything to the underwritters and should get back to you within a day or two. So I will update accordingly.

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  • 3 weeks later...

UPDATE:

 

It has now been 8 weeks and 2 days since I reported my accident to my GAP insurers and they still havn't paid out.

 

After the interview, I sent them a very tense letter threatening legal action amongst other things and I was sent an email stating that they were satisfied with my claim and that everything has been verified and that they see no reason why I should not be paid. They said my file has been send to the underwritters for authorisation to make payment so I was happy that the saga was at last coming to an end. But 2 weeks after that email, I have just been told that my claim has again been put into review and that they have sent me a letter since last week (I didn't get any letter) explaining what I need to do next. I then called them up and I was informed that the underwritters are still not satisfied with my claim and that I need to sign a form which they claim to have sent authorising them to contact the police and hospital.

 

Bearing in mind I have given them the CAD number since the very first day of the claim (19th August) and hospital details.

 

Are they just taking the **** now?

 

Is there anything else I can do in the mean time?

 

Is 2months enough time to process the claim or I'm I being unreasonable?

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Ok sign the form and let them investigate.

 

Suggest that you lodge a formal complaint in writing to their head office, if you have not done so far.

 

At the moment, I am not sure any court claim or ombudsman process will speed this up. More likely to delay it even further. They will say that they are entitled to investigate any claim, as they see fit and that there is no attempt to delay settlement of the claim.

We could do with some help from you.

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They are entitled to investigate a claim to ensure they are satisfied it is valid however it doesn't appear that they are doing this in an efficient manner, so there certainly is some cause for complaint.

 

A police report will take anywhere from 2 weeks to 3 months to come back, so I'd get an official complaint made now in the hope they will decide not to bother. Sign any forms they send you and send them back so you can't be accused of having held things up.

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Thanks for that. I have sent in three official complaints via email so far and each time has been a reply requesting something else. After the first one, I got a "we need to interview you" which they did and said it was ok. Then after the second one, I got a " your claim is fine and we see no reason why it should bot be paid, we have sent your file to the underwritters for authorisation to pay you", then after the trhird one I now got "we need the police report and hospital report despite the face that these details were given to them on the 19th of August and they have had over 2 months to get these.

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Thanks for that. I have sent in three official complaints via email so far and each time has been a reply requesting something else. After the first one, I got a "we need to interview you" which they did and said it was ok. Then after the second one, I got a " your claim is fine and we see no reason why it should bot be paid, we have sent your file to the underwritters for authorisation to pay you", then after the trhird one I now got "we need the police report and hospital report despite the face that these details were given to them on the 19th of August and they have had over 2 months to get these.

 

To request a police report, they need a very specific form (an 'Appendix D') to be filled out, signed by you and sent to them. They cannot apply for it with just the CAD number. Police reports are not usually requested by standard, and only where something doesn't add up, or they are looking for a particular discrepancy (usually), so they wouldn't have requested it automatically at the start of the claim.

 

They have 8 weeks to respond to a complaint (defined by the FCA as an 'expression of dis-satisfaction') so I would suggest emailing them again, marking it formal complaint and noting you have not received an acknowledgement letter or final response to your complaint of [whatever the date was]. Ask them to provide you with a final decision relating to the issues you have raised (the unreasonable delay in them making a decision) as you wish to involve the financial ombudsman as you do not think the company are being fair.

 

I would suggest giving them 2 weeks to do this (they have 8 weeks to respond to a complaint. and in this case, your quickest hope is that someone is on the ball and deals with it to avoid having to pay the FOS a fee to deal with the complaint).

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Thanks for that. I thought about going to a solicitor and sending them a formal letter from the solicitors. Is that a good idea? Or do I wait and see what they say after this before getting a solicitor involved?

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And the police report will confirm the accident as they were called by the residents to the accident scene and also followed me to the hospital and dropped me home afterwards. I honestly just think they are using delay tactics as I have an email from the investigations team that and I quote " your claim is fine and we have verified everything and see no reason why your claim should not be paid. We have sent your file to the underwriters for authorisation to make payment". Surely all that must count for something...

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I have just received the Apendix D form and the requested information was the accident date, time so just verifying the accident basically. As I said, all this is just a delay tactic to delay payment and it's shocking. I shall name and shame when this is all done. In the meantime, I have signed and sent them the authorisation form.

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UPDATE:

Just been told that the police will have 42 days from receipt of the form to reply following which they would send the reply to the underwritters to deal with. Another 2 months wait from now. Delay tactics in motion. This is a trully shocking behaviour by the GAP provider.

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Perhaps it is time to name them for others to avoid. I can't see naming them doing any damage to your request as it should have been paid out a long time ago. Ask them for a deadlock letter due to the delay and unsatisfactory replies to your queries as you now wish to escalate it to the financial ombudsman.

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