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    • Who is the insurance company?  They sound terrible.     Whilst I can understand that asking if he had any alternative cover* that would be more suitable in the circumstances might be a reasonable question, I can't for the life of me see what business it is of there's to ask why he cancelled his previous contents insurance or whether or not he's recently had an operation.   I presume that when he bought the insurance and they took his money they weren't interested in why he'd cancelled his previous insurance or whether he'd recently spent any time in hospital, so why would they need to know now?   I'd be inclined to write back to them and say you've supplied all the information necessary to make a claim and that if they don't pay up you'll be making a formal complaint and will take it to the ombudsman if necessary.  But before doing so, wait to see what others suggest.   *When they asked him if he had any alternative insurance cover he should simply have told them that he didn't - which would have been true.  But by volunteering too much information he may have unintentionally made the circumstances look "suspicious" to the insurance company.
    • My son's bike was stolen on a trip to London.  He had locked it for 12 hours to a bike rack, using an approved lock and through the frame.  Bike rack is covered by two sets of CCTV. The bike insurance was taken out two weeks ago. The insurance company are being extremely difficult because the theft has happened within two weeks of taking out the policy. They asked my son if he had any insurance that would cover it and he said he didn't but had had home contents insurance back until January which he cancelled due to having an operation.   The insurance company are trying to imply that he was neglectful or couldn't afford that insurance, cancelled it, and took out cheaper insurance for his bike. They have asked for proof of his operation. The operation took place in February.  The first insurance was cancelled in March. The new bike insurance was paid for in early May and covered the bike from the date it was paid for. The trip to Glasgow was booked in April, my son stayed at a hotel booked in April, researched for "secure" places to lock bikes (with CCTV), emailed hotels asking if they had secure places for bikes. The bike was insured during my son's stay in London.   The insurance told my son that if he didn't provide proof of his operation back in February (three months before the bike theft and three months before the new cycle insurance was purchased) they would refuse the claim.   They have also said that they believe he cancelled his home insurance because he "couldn't afford it" and bought cheaper insurance to cover the bike.   However he has never said this.  He travelled to London and stayed in a fairly expensive hotel for 1 night which would disprove that hypothesis.   The insurance company keep ringing him up and saying they are recording the call.  I suspect they are fishing for things he will say during the telephone conversation for them to go away and analyse and refuse the claim.   I am feeling very upset by this situation.  My son loved his bike, he had it for 7 years and because of his illness he can't get a driving licence so it's his only form of transport and helps greatly with his condition (managing long term mental health by going for relaxing bike rides).  I understand that the policy is very early in its inception (purchased less than 3 weeks ago) but the bike is still covered.   Any tips or advice, please?
    • Dx I won't be leaving it till the last minute for the OH, she wouldn't let me for a starter.  I'll get on reading further.
    • You never were going to Northampton its not a real court, just a bulk robotic processing centre.   so await the time and date of the hearing, and start reading up now on witness statement examples 100's here. Please dont leave it for us to sort out 5 days before submission deadline when you get it!!
    • Youve left your name showing.   quite correct, if there is no ccj   Are all your old addresses showing as linked addresses on your credit files?   Not a lot they can do anyway even if their is, it would be for an old address and nothing to do with your present landlord so zero right of forced entry.   Dx
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Hi ,my name is Steve and I am new to the world of forums although I have been messing around with computers for a long time. I was searching the net for a company called Westcot and came acroos this site. After reading through it, i decided to join as I know I will need help in the near future. When I am more familiar with this site, I will post details of my problem. Thats enough waffling for now so once again, Hi to all..:)

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi Steve,

 

I'm new round here too.

 

I was just having a mooch about reading posts n stuff and saw your message - so you've had the pleasure of dealing with Westcott too huh?

 

What a bunch...

 

We sent them 2 cheques (yes 2 cases with them - lucky us :() one which they cashed and one which they obv. lost and then turned it back on us saying we hadn't sent it - they both went in the same envelope with a covering letter and the requested info written on the back!!!

 

They also had us held in a queue for an hour then at 8pm (or whatever time they shut) switched the 'u are holding' message to a 'sorry the office is now closed' one!! :-o

 

Wow-zers!! Good luck with them tho and any subsequent claims you make as a result of this site.

 

K

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Hi to you Save A Tree, I have the pleasure of looking forward to dealing with Wescot yet as my debt appears to have been sold on to them, but i am still waiting for them to contact me. Maybe I will get lucky and they may forget me. However on the serious side, I read somewhere on this site that debt collectors cannot chase me for a debt that is the result of penalty charges from my bank account. Do you know anything about this? Thanks for now.

Saabsteve.

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Yes please read around the site including the bank forum and the debt/bailiffs forum to get some idea on this. If you have a debt that is made up of bank charges and have started to claim them back then you can tell the DCA that the amount is in dispute and to put the account on hold whilst you sort out your claim.

 

Please can you both start posting in the relevant bank forums if you're claiming charges and in the debt/bailiffs forum if it is purely a debt matter.

 

This makes it easier for us to help you. Cheers! :D

Ex CAG helper ^_^

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