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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • The agreement started 11/02/2019  for 47 monthly hire payments   Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire.  This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with.   The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court proceedings against you for the balance outstanding. Such proceedings will also include claim for costs.   Yes I still have my agreement. 
    • Hi M10,   Compared to MANY other cases we see here, a refund of 80% is a decent offer in the circumstances.   Take it and get yourself a new item.   Far better than Very and Apple each denying responsibility and passing the buck, and you being stuck in the middle for months with no help.
    • thanks for all that.... yes interesting. you handed the car back in nov 2020, how long was the lease agreement for and when did it start?   if you read the threat-o-gram carefully it doesn't say WILL anything. who are stated as DWF's client please ? and have you still your copy of this agreement?    
    • A devaluing currency and hard economic conditions make cryptocurrencies attractive despite the risks. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

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Just reading some of the threads re: cancelling car insurance. To try and keep a long story short, my car was written off in February, I did not replace it, then:

 

17th March I rang, because they had been trying to contact me, was told my policy would be cancelled on the 1st April unless I replaced car. So I advised cancel it now because I'm not replacing it.

 

5th April letter dated from Budget giving me seven days notice the policy will be cancelled on 12th April, plus pay an outstanding amount of £90.13 (however my payments were up to date?)

 

10th April sent them a letter back requesting they adjust their cancellation date to the 17th March plus why the date discrepency.

 

Today received a letter still demanding £90.13 or else - so I rang and they said that the policy was cancelled on 12th, I queried why when I was told 1st? well actually they advised me it wasn't the 1st but the 5th as it is obviously difficult for me to understand their south african accent.

 

Have asked them to check my cancellation of the 17th March, they say they need to check recorded phone call all that as been noted was that I said ok (or that'l be fine)?

 

Is there a standard letter to request how they get to a sum of £90.13 still outstanding.

:confused: Thanks from easily confused.

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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It sounds like a payment plus a cancellation fee. However, I wouldn't get involved in all of that. They should be able to backdate the cancellation.

 

Have they told you why they are unable to backdate the cancellation until the 17th March?

 

Have you got proof that the vehicle was written off that day? ie. a Police incident/log number?

 

Do the Insurers think that they will get a Third Party Claim from the car being written off?

 

sorry this is more questions than answers, but cant really advise you on the info given!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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They say that I did not make a request to cancel the insurance on 17th March.

 

The actual claim for the car being written off has been dealt with and all settled. It's because I didn't replace the car that the policy was cancelled.

 

I have requested they check that telephone conversation, no idea how long these things take.

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Share on other sites

Right - the claim for the write off. You said you didn't replace it, but did they pay out on the claim? If they did, then the money they are chasing is for the rest of the years premium. At the start of the insurance year, they made a contract with you to insure the car for 1 year. The fact that you dont have a car now is irrelevant to them, as you have a years contract, and they expect this to be honoured. If you look in your policy booklet then your cancellation terms are only valid if you do not make a claim.

 

They, however, can cancel the policy at any time, providing they give you the notice.

 

If they do, then they have to give you 7/14 days notice, and no administration fee should be payable.

 

If no claim has been made then look in the cancellation section of your policy booklet. It might be the fact that, if you cancel the policy then you would have to pay one months premium as a cancellation charge, so it was cheaper for them to cancel the policy. However, you should have been told this.

 

The best thing you can do is ask them if they have listened to the recording where you said cancel it now. If they are unable to locate it, dig your heels in and demand to speak to a manager.

 

If they advise that they have located the call, but find no evidence of what you have said, then ask for a copy of the tape!

 

Regarding how they have come to the charge, they will tell you if you ask them.

 

Let me know how you get on

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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  • 10 months later...

Hi,

Please help, i have my car insurance with Budget, this policy started on the 1st March. My car went for it's MOT yesterday and failed miserably, the cost for repairs is £300 and that's what i paid for the car so i decided to sell it for parts. I wrang Budget this morning and asked to cancel the policy and they said i had to pay £95 for the privelidge i explained that i don't have a car to insure and argued the fact that i shouldn't have to pay please advise what i can do this is outrageouse and if i had known the cancellation process i would never have insured my car with them

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  • 3 years later...

Hi, A car insurance policy can be cancelled by notifying them at any point prior to the policy expiry date. An insurance policy may be cancelled with immediate effect or at a date in the future.

carinsurance1.co.uk

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  • 8 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 3653 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

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