Strong armed insurance co.
Discussion
The following letter arrived yesterday....
nastyb
ds said:
ds said: Policy Cancelled - you have arrears.
Outstanding Balance £46.65
Dear Mr MikeVeal
As per our previous correspondence, your policy has been cancelled due to non-payment. We are unable to reinstate your policy now that it has been cancelled.
You must contact our credit control team within 7 days of the date of this letter to make payment of the above balance by debit or credit card. Failure to pay the outstanding balance within this time may result in the debt being referred to our external debt recovery agency who would take full charge of your account.
Please note that should professional debt recovery services be required, we reserve the right to charge an additional admin fee of up to £25 to cover any costs incurred.
Yours Sincerely,
Notveryinterestedincustomerservices Insurance co.
My (potential)reply should explain the situation.Outstanding Balance £46.65
Dear Mr MikeVeal
As per our previous correspondence, your policy has been cancelled due to non-payment. We are unable to reinstate your policy now that it has been cancelled.
You must contact our credit control team within 7 days of the date of this letter to make payment of the above balance by debit or credit card. Failure to pay the outstanding balance within this time may result in the debt being referred to our external debt recovery agency who would take full charge of your account.
Please note that should professional debt recovery services be required, we reserve the right to charge an additional admin fee of up to £25 to cover any costs incurred.
Yours Sincerely,
Notveryinterestedincustomerservices Insurance co.
MikeVeal said:
Dear Sirs,
I am in receipt of a letter from you dated May 10th, detailing that you have failed to collect my policy renewal premium and warning that if payment was not made you will be attempting to collect a fee of £46.65 for non payment.
A second letter from you arrived on 20th May (dated May 19th) stating that you have cancelled the policy and that you consider us in arrears for £46.65.
I dispute these arrears on the following grounds:
1/ You failed to contact us advising us of the renewal premium prior to your letter of 10th May.
2/ Having received your letter of 10th May, I telephoned you and established the following:
That you had attempted to contact us by email, but not by post. My email address has recently changed & I am not obliged to tell you this.
That you had failed to register my request of 2013 not to automatically renew this policy when it expired.
That, given the above circumstances, your telephone operator agreed to remove the non payment charge from our account.
I hope that your letter of May 19th was sent in error. Please confirm in writing that this is the case and that these arrears have been cancelled. You may use this email address, but please send a copy to my home address by post.
Yours Sincerely,
Mr MikeVeal.
Am I missing anything obvious from this potential reply?I am in receipt of a letter from you dated May 10th, detailing that you have failed to collect my policy renewal premium and warning that if payment was not made you will be attempting to collect a fee of £46.65 for non payment.
A second letter from you arrived on 20th May (dated May 19th) stating that you have cancelled the policy and that you consider us in arrears for £46.65.
I dispute these arrears on the following grounds:
1/ You failed to contact us advising us of the renewal premium prior to your letter of 10th May.
2/ Having received your letter of 10th May, I telephoned you and established the following:
That you had attempted to contact us by email, but not by post. My email address has recently changed & I am not obliged to tell you this.
That you had failed to register my request of 2013 not to automatically renew this policy when it expired.
That, given the above circumstances, your telephone operator agreed to remove the non payment charge from our account.
I hope that your letter of May 19th was sent in error. Please confirm in writing that this is the case and that these arrears have been cancelled. You may use this email address, but please send a copy to my home address by post.
Yours Sincerely,
Mr MikeVeal.
SK425 said:
Did you happen to note down the date and time when you called them after their letter of 10 May? They might have recorded the conversation and if you can tell them where to look in their massive pile of recordings it might help resolve things quicker.
Yes, I have date, approximate time, name and extension number.Reserving that for if and when they take me to court.
This is house insurance, not motor insurance.
No, they have not cancelled my policy. They did not have the authority to re-instate it, their clerical error.
Thanks guys, seems I have the letter about right.
I've already tried the call to sort it out. Now they're threatening to pursue a debt, I want something in writing.
No, they have not cancelled my policy. They did not have the authority to re-instate it, their clerical error.
Thanks guys, seems I have the letter about right.
I've already tried the call to sort it out. Now they're threatening to pursue a debt, I want something in writing.
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