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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Lindiloo72

OneCall need me to pay an extra £750 to cancel

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Hi All.

I need help please.

 

Took out policy with OneCallDirect.

Supplied my proof of no claims bonus

- week later got a letter stating they're increasing my premium by £202 PER MONTH (for a vehicle of only £600!!) on top of the monthly £50 I was originally quoted.

 

I immediately sent an email asking for an explanation why they've increased it, but no response.

 

I again sent an email a month later asking why the increase - still no response.

 

I started a new job last week and was given a work van

- so decided I don't need my vehicle anymore and sold it.

 

I then tried to cancel my policy, just for them to tell me I need to pay an extra £750 for the remainders of the policy

- for a vehicle I don't even have anymore??

 

I can understand if I left to go to another insurer while in contract with them

- but how can I pay for a vehicle I don't have?

 

Any form of advice will be appreciated!

 

Thank you.

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Depends on the type of policy you had. If it was business vehicle you were insuring you would have to pay for the full years cover.

 

If it was a standard car policy you would pay the full year if you had a claim during the year.

 

Suggest that you confirm the cancellation in writing stating when the vehicle was sold. Ask for a full breakdown calculation of any sum that may be due on cancellation. Cancel the direct debit with your bank.


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Many thanks for your prompt response. It was definitely a personal vehicle insurance. I shall do as suggested. Many thanks.

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unclebulgaria67 ....the plot has thickened. They are now referring to my "commercial vehicle insurance" and I know for a fact I did NOT take out commercial vehicle insurance. They attempted to take the £780 from my account after I told them I want to make a formal complaint. I have cancelled the direct debit too. They are now starting to threaten legal action. What do I do now? Thanks in advance.

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If they are ignoring your complaint and playing silly b*ggers, then pick up the phone to the FOS and register the complaint with them. Advise them that OneCall have attempted to collect £780 without authorisation, while ignoring your complaint.

 

http://www.financial-ombudsman.org.uk/consumer/complaints.htm


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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