Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
  • Our picks

Sarah39

Got A Quote - Paid for car insurance in full - Got Cancellation Notice Saying Seek Alternative Insurance Cover?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1906 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone. Its my 1st post, apologies if i've done anything wrong on here. But i've been really worried and can't sleep tonight.

 

i Wonder if anyone can help with this:

 

I've been driving for 20 Years. I've never seen anything like this before.

 

Paid the full years car Insurance online

Got insurance Certificate, thought i was insured, got a 7 day cancellation letter, no phone calls notifying cancellation or asking for further information, think they are saying it's due to a failed credit check (their letter is below)

 

I now need to get cover with another insurer.

 

Do i now have to declare to the new insurer that i've had car insurance cancelled, or can i just go with one of the other quotes i got the same day i got this one?

 

Do i get all my money back, i need it back first to pay for one of the higher quotes to get insured again.

 

 

Full Details of what happened:

 

Car insurance was up for renewal.

 

Got quotes on several comparison sites.

 

Chose one quote, rang the company, gave them reference, confirmed level of cover, excesses etc. Decided to accept cover, agent said best doing it online, or else i'll have to enter all your details and run it through again.

 

Went online, clicked through the comparison site link for that companies quote.

Paid the full years premium at once.

 

1st Email Received

Thank you for confirming your intention to insure, We are currently processing your payment details, as you will already be aware to protect us against fraud we will be running a series of integrity checks on the information you have provided.

 

If there are any issues with your payment, cover or results of our data integrity checks we will inform you of this by email or, if necessary, we will call you on the telephone number you have provided to us.

 

Please note that your insurance cover is not binding until you receive a certificate of insurance from us.

 

Got to email Proof of no claims, and copy of driving license within 14 days.

I contacted my previous insurer again for copy proof of no claims

 

Further Emails Received a few hours later:

Certificate of insurance, Statement of Fact, Demands and needs, proposal information, Claims and break down contact numbers.. Basically everything you usually get when you get car insurance and you know you are covered.

 

Knowing i was covered, and had time off, i went on a long motoring trip for a week to visit a relative, knowing i'll email my driving license and proof of no claims together when i get back.

 

Got back tonight, was just looking through my emails on my PC when i noticed one from my new insurance company, Sent 2 days after taking out cover.

 

"Please find attached an important letter with regard to insurance cover you have requested on your vehicle. This letter has also been posted to yourself at the given address and no further reminders will be issued.

 

We recommend that you seek alternate insurance cover.

 

Please note: Under the Road Traffic Act it is an offence to leave, drive or otherwise use a motor vehicle on the Public Highway without Third Party Insurance. Failure to return the certificate of insurance is also an offence under the Road Traffic Act."

 

The Attached Letter

 

URGENT 7 DAY CANCELLATION NOTICE

 

We write to you in respect of your motor insurance policy for vehicle registration -------. We are authorised by your Insurance Company (see certificate of motor insurance for details) to act as their agents for the purpose of CANCELLING insurance cover in accordance with policy conditions and herewith give you notice that all cover is cancelled from -- December 2014.

 

In accordance with our terms of business which were agreed to when purchasing this policy and that state:

 

“We may, before and after entering into this agreement search the files of any credit reference agency or agencies who will keep a record of our enquiries. We may also disclose details about you and your conduct of this agreement to that agency or agencies. Such details are then used only to help make credit decisions on you or members of your household or occasionally for fraud prevention or to trace debtors. Where credit scoring calculations are used by us/the insurer, acceptance or rejection of your application will depend only on the results of the credit scoring process.”

 

We regret to inform you that after such a credit scoring calculation was done, the result of which was unacceptable and due to this we are unable to provide any insurance cover for your vehicle. A full refund will be issued to you upon cancellation and once receiving a certificate surrender declaration unless there has been any claims during the period of cover. No further reminder letters will be sent about this matter. Cover will simply be cancelled.

 

There will therefore be no cover in force after the above date and you must return your certificate of Insurance or temporary cover-note, if you received this by post you must return the original, where it was received via email you must email a Certificate Surrender Statement to cancellations Department. You are advised to obtain cover.

 

Please note: Under the Road Traffic Act it is an offence to leave, drive or otherwise use a motor vehicle on the Public Highway without Third Party Insurance. Failure to return the certificate of insurance is also an offence under the Road Traffic Act.

A Person may be prosecuted if a cancelled certificate of Motor Insurance or temporary cover note is produced to any person with the intention of deceiving that person into accepting it as genuine.

 

******************* WARNING ********************

 

After the termination of your insurance the Motor Insurance Database (MID) will show that no insurance cover is in force. This information is registered on the Police National Computer confirming no insurance cover is in force until replacement cover is issued

Share this post


Link to post
Share on other sites

Hi Sarah39

 

Welcome to CAG

 

The guys will advise as soon as they are available.

 

The letter does say that you will get a full refund.

Share this post


Link to post
Share on other sites

Which company are we talking about ?

Share this post


Link to post
Share on other sites

Sounds very odd. It could be that the details you entered do not match what is shown on your credit record. It could be that the address is slightly different or the date of birth was wrongly entered. Then the computer says NO and they issue a cancellation notice.

 

You need to contact the Insurance company involved to see if you can find out any more information. You should not have a problem arranging cover elsewhere, but you really need to find out what the issue is first, otherwise you could go through the same problem.

 

When you talk to them, if they cannot continue the policy, ask them when you will get your refund back and ask them for a breakdown of the amount. You will get charged time on risk, plus a cancellation admin fee.

 

Then the advice is to speak to an Insurance brokers locally to get the cover arranged. Explain what has happened and they should be able to arrange a policy.


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

Share this post


Link to post
Share on other sites

According to their letter, they will issue a full refund.

 

'A full refund will be issued to you upon cancellation and once receiving a certificate surrender declaration unless there has been any claims during the period of cover. No further reminder letters will be sent about this matter. Cover will simply be cancelled'

Share this post


Link to post
Share on other sites
According to their letter, they will issue a full refund.

 

'A full refund will be issued to you upon cancellation and once receiving a certificate surrender declaration unless there has been any claims during the period of cover. No further reminder letters will be sent about this matter. Cover will simply be cancelled'

 

Not sure what to make of this. It could be some online brokers who did not arrange cover straightaway, but simply took details. They then tried to arrange cover, they had a problem and then issued a cancellation letter.

 

Does not sound like an FCA compliant process. Either you are Insured or you are not. If they have provided some cover, then they would charge for it, unless their underwriters provide free Insurance for a short period.


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

Share this post


Link to post
Share on other sites

It's a bit odd. Why did they do a credit check if you paid the premium in full? If you pay by installements it's usually subject to credit check (because the installment plan is effectively a credit agreement) but if you pay in full in advance what's the purpose of a credit check?

Share this post


Link to post
Share on other sites
It's a bit odd. Why did they do a credit check if you paid the premium in full? If you pay by installements it's usually subject to credit check (because the installment plan is effectively a credit agreement) but if you pay in full in advance what's the purpose of a credit check?

 

The credit record check is done also for identification purposes. That the person buying the Insurance is at the address quoted, the date of birth matches. Also some Insurers do use the credit check as part of their underwriting. If you have a bad record with CCJ's and defaults, they might not Insure you. This is a change within the last few years, with Insurers seeming to believe that those with a poor credit record are a higher risk.


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...