Ins. Co. Won't give me my money back...

[Sheepshanks]

WinstonWolf said:

He doesn't need to, the taped phone conversation already proves he instructed them to cancel by their own admission.

Hope the OP has a recording of it - the insurance company will deny there was a call.

[pits]

Ask for a copy of the call, I "think" it comes under the data protection thing where you chuck them a tenner and they give you the call.
Get ombudsman involved.

[mrtwisty]

LoonR1 said:

mrtwisty said:

LoonR1 said:

surveyor said:

Loon will be along at some point to say this never happened....

Yawn

And that's why I can't be arsed to jump to conclusions and accuse people of things anymore on here, because sometimes I get caught out being a bit of an angry knob

... and this is coming from someone who got some decent advice from Loon a while ago, before he got even more irascible than he used to be...





(although sometimes I can't blame him tbh)

And there we have another reason. The "thanks" for the help turns out to be to call me a knob.

Wonder why I can't be arsed

I thanked you at the time (about three years ago) and have stood up for you several times since. Unfortunately I've seen you lay into people several times in the last year, throwing accusations about, where they really didn't deserve it.

Yes, there are some right throbbers on here who have argued the toss with you and made themselves look like the plonkers that they undoubtedly are. It's just a shame that you seem to have lowered yourself to their level on a few occasions with disproportionate aggression and insults.




(fundamentally I think you're probably a decent sort, you just perhaps need to count to 3 sometimes and not bother to reply)

[LoonR1]

Go to court, call the police, get a barrister on board, contact the MIB, MID, CIA, FBI, Interpol, release the hounds.

[mrtwisty]

I wouldn't go that far

I would be a bit miffed if I were the op though. Wouldn't you?

[Sheepshanks]

LoonR1 said:

Go to court, call the police, get a barrister on board, contact the MIB, MID, CIA, FBI, Interpol, release the hounds.

It is theft but I wonder how likely the Police would be to see as that?

[LoonR1]

mrtwisty said:

I wouldn't go that far

I would be a bit miffed if I were the op though. Wouldn't you?

Yes. My problem is that I rarely take a story at face value. Any request for more info, or a bit of digging results in cock end comments like Surveyor.

[mrtwisty]

LoonR1 said:

Yes. My problem is that I rarely take a story at face value. Any request for more info, or a bit of digging results in cock end comments like Surveyor.

You're too keen with 'em Loon, try being a bit more 'Columbo'.

[surveyor]

LoonR1 said:

surveyor said:

Loon will be along at some point to say this never happened....

Yawn

And that's why I can't be arsed to help people anymore on here.

Loon when your in the mood you can be really helpful, even if we don't often like your answer. I'm not disputing that.

But very often your first response is to call bullst before asking any questions to really establish that it is.

ETA - Your reply's are sometimes rather robust. You should not therefore be offended by other 'Robust' statements.

Edited by surveyor on Saturday 25th July 10:27

[ging84]

Red Devil said:

No. Credit card payments don't work in quite the same way as DDs. I will put money on the OP having (perhaps unwittingly) given the insurer a Continuous Payment Authority and has failed to cancel it with the Credit Card issuer (not his bank). A lot of people make that mistake - http://www.fca.org.uk/news/continuous-payment-auth...

Did you even read the site you linked to ?

It is an article about banks and building societies previously failing or refusing to cancel continuous payment authority at the request of the customer, and making it fairly clear the consumer has the right to do so, it actually says in most cases you should be able to cancel by contacting the company taking the payment and asking them to stop, the OP did this.
No company taking payments should be relying on the customer to contact the bank to stop any future payments when the service is brought to an end, any that do frankly should be banned from using the payment services.

[MajorProblem]

Just in case people think it's all made up here is the sorn request email they are now saying is not good enough to prove I haven't needed their insurance for.

[Wacky Racer]

Message to Loon/Surveyor.....

I'm sure you are both decent blokes, have lots of helpful sound advice to offer other PH'ers reading threads such as this.

I know Loon has helped others out many times in the past.

How about winding the clock back, burying the hatchet and starting again, life's too short.

Leave the insults to kids in the school playground eh?

[Countdown]

That appears to be seriously taking the pee aye ess ess.

Am I misunderstanding something or are they effectively forcing you to have insurance with them? What's to say you haven't insured it elsewhere?

[ging84]

Countdown said:

That appears to be seriously taking the pee aye ess ess.

Am I misunderstanding something or are they effectively forcing you to have insurance with them? What's to say you haven't insured it elsewhere?

No this is to backdate a cancellation, which after the OP complied with the request in the letter they still refused to do. Even though if the op's story is accurate, they have even confirmed it was there error which meant they did not cancel it as agreed before the new policy started.

You couldn't make it up, normally i would be the first to say the OP is making it up, with or without a copy of the email, but unfortunately i know this is pretty much business as usual for a lot of car insurance brokers

[voyds9]

Dear E+++E

It's not your responsibility to make sure I'm insured, the government have a series of penalties to ensure my compliance.

Now give me my money back.

Yours sincerely
A N X Customer

[essayer]

OK, stop messing about with customer services.

I think they have their wires crossed; my OH had something similar, she forgot to cancel her policy when she sold her car and then let it auto-renew (!) but didn't notice. A year later when it renewed again (!!) they refunded her once she gave proof of sale.. it was a sister company of this one.

I think they are following this procedure but haven't considered the fact that you told them not to renew it in the first place, which is an entirely different kettle of fish..

I'd just start from step two -
http://www.esure.com/about_esure/Complaintsmanagem...

[Autopilot]

essayer said:

OK, stop messing about with customer services.

I think they are following this procedure but haven't considered the fact that you told them not to renew it in the first place, which is an entirely different kettle of fish..

I'd just start from step two -
http://www.esure.com/about_esure/Complaintsmanagem...

I agree with this, kind of seems like they've forgotten about the bit where you instructed them NOT to renew your policy and treating it as a cancellation now you're past the policy start date.

I'd be inclined to give them one more chance. Speak to a team leader / manager etc, tell them you gave the instruction on whatever date to cancel but it got renewed due to their failing, the recording was agreed that you'd issued the instruction to cancel but now you're getting this grief.

Any normal person with an ounce of common sense would just out this straight for you. You just need to speak to the person who has the common sense!

[sonarbell]

I would doubt the capabilities of anyone who cant spell "Cancellation" !

[surveyor]

Wacky Racer said:

Message to Loon/Surveyor.....

I'm sure you are both decent blokes, have lots of helpful sound advice to offer other PH'ers reading threads such as this.

I know Loon has helped others out many times in the past.

How about winding the clock back, burying the hatchet and starting again, life's too short.

Leave the insults to kids in the school playground eh?

Fair point. My post was in jest, but I can see why Loon would take offence, so I do apologise.

[anonymous-user]

pits said:

Ask for a copy of the call, I "think" it comes under the data protection thing where you chuck them a tenner and they give you the call.
Get ombudsman involved.

I had a problem with an insurance company once. I paid the £10 only to find the second half of the call was missing.

They soon back tracked when I explained I had a record of the time length of the call I had made to them. Despite telling them that any further correspondence needed to be in writing they kept ringing me to try and sort out the problem.

Everything in writing is what's needed in IMO