Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2765 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

I took out a home insurance policy with kwik fit 01/08/2013. I received a welcome email but this didn't contain login details or policy details but in this email it stated i woiuld receive these in the next 7 days, this didn't happen, and life carried on I work full time and have 2 kids so i totally forgot about it. Until i received a letter stating I was in debt to them because I cancelled their DD I did this because as far as I was concerned there was no policy and I wasn't paying them for nothing basically.I have had a few back and forth email conversation with them and finally I received login detail 06/09/2013 but I stated I didn't want to use them anymore as they had been useless from the get go and why would i trust them to insure my worldly possessions.Today I receved a letter stating I now have to pay £47 cancellation fee??!! where do I stand?Please help!

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

Link to post
Share on other sites

Send a formal complaint in writing and advise them that you will proceed to the FOS if need be. Kwik Fit failed to provide the policy details within good time, so you were uncertain whether they were providing the cover. You therefore had the right to cancel any DD and arrange cover elsewhere.

 

From what you have said, you are in the right here and the FOS should back you, if they were to receive your complaint.

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

Thanks Unclebulgaria. I have sent them a complaint via email stating:I’m shocked and disgusted to receive a letter from yourselves stating I now have to pay £42.70 for cancellation of my policy.I set this policy up 1/08/2013 I received an email on 01/08/2013 welcoming me to the policy but there was no policy number or login details. I never received any login details after this and no letter detailing this either. I did receive a letter 05/09/2013 stating I was in debt to yourselves because I cancelled my direct debit. Of course I cancelled it why would I pay for as far as I was concerned a non-existent policy. From there I exchanged several emails which still did not detail login details etc.. Until finally I was sent login detail 06/09/2013.Now if you were in my shoes and a company were useless from the get go would you trust them to insure your home and all your worldly possessions??I was told there was no phone number on file but I know this is incorrect because I was receiving voicemails from yourselves concerning the direct debit.If you wish to take this further be my guest I will be building my own case. I have kept all email proof. Personally I do not wish to take out your home insurance as you have proved to me I am unable to trust your company but I also feel I should not have to honour your cancellation fee and there wasn’t a policy (I was aware of) to be cancelled until 06/09/2013I have just received a confirmation email to say this has been escalated to the complaints division of Customer Relations but if I receive any further communications in their favour I will use the FOS line and proceed with a complaint to FOS.many thanks for your help!

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

Link to post
Share on other sites

It would be best if you looked elsewhere for home or contents insurance given the number of complaint threads regarding Kwik fit on this forum. We are with NFU and pay about £100 per annum for contents cover. We had to make a claim and it was dealt with very promptly.

Link to post
Share on other sites

I have no problem going elsewhere. They were utterly useless and their customer service is appauling it took 3 emails just to get them to send my login details but if I hadn't bugged them I'd still be waiting now, hence why I feel I am not liable for the cancellation fee and due to the fact they were incompetent to do the simplest of tasks I wouldn't trust them to insure anything!

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...