16yr old minor, moped insurance, unauthorised cpa

[leclerc]

Re: 16yr old minor, moped insurance, unauthorised cpa

Can I sue onesure for illegal transaction?

No but the bank is talking nonsense. Under the payment services regulations they have to refund the transaction in full including the £110.00.

Have you got an acknowledgement of the cancellation email?
Have you clearly stated on an email that you have taken out alternative insurance from another company(prior to the money being taken out of your account)?
Does the policy state that he is 16 years of age?(he cannot legally enter into a contract until he is 18 years of age)
I am gonna have another read back on the thread cos a billion and one things comes to mind and even the question of whether you paid with a Visa Debit card comes to mind for a separate thing which might not be relevant....

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

Right I will contact the bank tomorrow and state that info. Thank you.

My acknowledgement of my cancellation email was to inform me that my son is the named policy holder and he needs to cancel, they were told due to them being unavailable I need to insure his new moped so I went with another company. This was mid April.

Yea the policy has his date of birth on it.

Many thanks for your help on this, any questions you have ill do my best to answer.

Apart from from them having to pay the money back is there no punishment for doing what they've done? Surely they can't be allowed to get away with something like this?

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

And yes it is a visa debit card.

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

This is the email I sent on 14/04/14. (I've blanked the actual account number)

Dear sir/madam,


My son bought a new moped on 11/04/2014, I tried calling to change his insurance with you but was told your department was closed until Saturday at 9am. As I was at work till 4pm I tried again at 4pm to call but again the lines were closed. Due to the moped needing insurance I had no choice but to start a fresh claim so I have done so with motorcycle direct with the finance from highway. I'm unsure if this is the same highway choice who currently finance me now? Could this be looked into? My account with motorcycle direct is xxxxxxxxxxxxxxxx
Surely if there are the same company nothing further apart from the moped details swapped as no longer own the Peugeot jetforce 50cc are needed.
If they are not financed from the same company they please can you start the cancellation procedures.


Kind regards




This was there reply.

On 23 Apr 2014, at 15:22, "Marketing CPF Mailbox (Banking Division)" <marketing@closepf.com> wrote:


Good afternoon Ms

Thank you for your email

Please be advised that any request to authorise a third party to discuss a client’s account, must be sent to us by post and signed by the named finance account holder. Alternatively, the account holder can contact us on 0870 990 7967 to discuss further or give permission for you to speak on their behalf.

Please do not hesitate to contact us should you have any further queries.

Kind Regards


Loan Administrator

CLOSE PREMIUM FINANCE
21st Floor, Tolworth Tower
Ewell Road, Tolworth
Surbiton, Surrey KT6 7EL
United Kingdom

this was my final reply.

Good afternoon


As my son is 16 years old and the direct debit goes out of my bank account I have been the one to sort the insurance out.
Kind regards

[des8]

Re: 16yr old minor, moped insurance, unauthorised cpa

Suggest you edit your last post as you have left identifying details on it.

Your in good hands with Leclerc.

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

Which part needs editing des8? I've edited the policy number. Sorry

[des8]

Re: 16yr old minor, moped insurance, unauthorised cpa

Your name

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

Ooops :O will do now. Dohhh thanks

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

And many thanks on your help des8

[des8]

Re: 16yr old minor, moped insurance, unauthorised cpa

I'd also add that you cannot make a contract with a 16 year old since it would be deemed invalid

I'd be careful using this argument as it is recognised that minors need to enter binding contracts for necessities, eg food and shelter, and also for employment purposes.
As RTA cover is required by any person using a motorised vehicle on the public highway, it follows that a 16 year old can contract a legally binding policy of insurance.

Also talk of "suing" all and sundry is IMO a bit early at the moment.

If OP goes to court they will possibly recover overpaid premiums. Looking at the schedule of costs and what has been collected the grand overpayment totals £18.85 less £8 odd already refunded by bank. The question of whether or not Legal Assistance was purchased has to be determined. (I think my maths are more or less accurate)

Yes, the bank has failed to act properly and the insurers have seemingly acted illegally, but the way to obtain redress is by direct complaint to those bodies' CEOs, as Leclerc advised.
Let the regulatory bodies deal with the sanctioning of the companies.
Altho' op is feeling aggrieved I doubt there is any advantage for her in pursuing redress through the courts, with all the stress that may entail.

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

Yeah I know your right, just feel if I had done that id be getting arrested with a hefty fine or jail sentence. Hate that just because there a company that they seem to just get away with it.

Im will email both CEO of bank and CEO of onesure today regarding it all.

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

Automated returned email off CEO of onesure (least it's a form of receipt) stating he's on annual leave and will return 14/07/2014. My letter stated he has 14 days to reply to me. What do I do now? Didn't really want to have to deal with the lesser powers that be

[wales01man]

Re: 16yr old minor, moped insurance, unauthorised cpa

Highly unlikely the CEO will ever see the Email

[Amethyst]

Re: 16yr old minor, moped insurance, unauthorised cpa

Could try tweeting them? @One_sure @LegalBeagles (sometimes it gets action - sometimes they just blank you)

[Canderton]

Re: 16yr old minor, moped insurance, unauthorised cpa

I don't actually have twitter lol

what's my options then? Should I just talk it through with customer services? Do they actually have any power in a case like this?
Many thanks