Dubious Insurance Company.

[ostell]

If you note in that legal letter they are threatening HCEO for a debt that would not come up to the required amount.

[HeinrichJ]

If what the card company told me is correct. they are going to pay back the £387 refund meaning I have my correct refund. I am waiting for the company to notify me of this in writing.
So the option to call them is basically another trick? Thanks for the heads up. I will look to compose a letter. I am wondering how much detail to put in though.

[HeinrichJ]

If you note in that legal letter they are threatening HCEO for a debt that would not come up to the required amount.

If I understand correctly, they are pursuing the full premium rather than the admin fees.

[des8]

Don't put any detail in the letter
Just tell them that if that letter is meant to be a letter before claim it does not comply with the preaction protocols, and you dispute it anyway and suggest they refer back to their client.

[HeinrichJ]

A couple of lines sounds fine. I will post a draft later.

Thanks for that.


Here is my draft.

I am writing to query why I have been sent a left from Canford Law for a payment that is in dispute which is currently still waiting resolution.
Further if it is a letter before a claim, why does it not comply with the preaction protocols?

[HeinrichJ]

So letter sent to ICB and then yesterday got this reply from the Card Company.
2nd Reply with Redactions.pdf

This is exactly what I was asking for so hoping things proceed as they should.

Now, surely this also negates the demand for £512 as they refunded the £387 which they now have back.

[des8]

Everything going your way

Did you send letter to Cranford (I missed your post 50)?

[HeinrichJ]

I sent the letter to ICB rather than Cranford. I can send a copy to Cranford if you think it will help.

[des8]

Crossing Ts and dotting Is is the name of the game.
I would also send to Cranford

[HeinrichJ]

Ok Thanks,

I will send a copy the them as well.

[HeinrichJ]

Just started to edit the letter to send a copy to Cranford Law and they are at the same address. So would appear to be another branch of the same company.

[des8]

Might even be the same desk!

[HeinrichJ]

Wouldn't surprise me. Makes the copy unnecessary though.

[HeinrichJ]

Reply from ICB received yesterday. acc

ICB Operations<operations@icbureau.co.uk>
16/10/2019 13:31
To

Dear

Thank you for your recent letter

With regards to this, I can confirm that your letterl has been forwarded onto our client and we will be in contact with you once we have received a response from them.

Kind Regards,

Insurance Collections Bureau.
--
Collections Team


Insurance Collections Bureau Ltd
Weltech House,
Ridgeway

[HeinrichJ]

Well, not wanting to tempt fate but nothing more in the last month.