Van insurance, cancellation,lovell, bw legal

[jamesclement]

Hi guys,
Hope someone can help
In 2013 after having van insurance with Swinton and coming to a end after the normal 12 months,I renewed with van quote direct,Bedford insurance group,sent or emailed my no claims discount proof of which I had 9 years min.
Received I letter back asking me to get in touch regarding the ncb and I did.
Thinking that I had sorted the non existing problem out thought no more of it.
Another letter arrived asking me to contact them again regarding a ncb overlap again I contacted them telling them I have no idea what they were talking about and there was no overlap it was just a normal ncd ,the operative assured me he would sort things out and not
to worry.
A few letters later threatening to cancel my policy of which I still have,I cancelled and if I had a cover note returned it to them.
I then got insurance through budget and sent my ncd proof to them of which I never had a problem.
In between all this a received letters from creation finance ,then it changed to lowell and have now received a letter from bw legal and now a ccj letter from Northampton cc bulk ,filled in the contest in full part and sent off yesterday.
Now I'm in need of help as what to do next and do I have a chance of stopping the madness, many thanks in advance J

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Hi sorry this was a insurance that I paid through the finance company on a 12 monthly basis, had paid 3 payments in total the last being a few days before I cancelled.
After I cancelled I received a letter telling me that my insurance had been cancelled this was all in a timescale of 3 months and obviously trying to get me to pay for a full years premium.

[des8]

Re: Van insurance, cancellation,lovell, bw legal

Hi and welcome.

When you cancelled the policy after three months were you told if you still owed premiums.
If you cancel an annual policy after a short period there will inevitably be more to pay, either because the insurance company apply short term rates or just for admin purposes.
Bedford Ins. Group are only intermediaries, and will also apply cancellation fees of £90
The insurers will return premium (possibly via the intermediary) so that when the finance house get what is left there is a shortfall.
The finance house will also want extra for early repayment of their loan.

Did you ever respond to the letters from Creation, querying what they were chasing you for, and why?
Do you know how they calculate the amount due?

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Hi ,thanks for your reply
I don't believe I ever had a letter telling me I owed any outstanding amount.
It was in 2013 and is hard to remember but really don't believe I did.
My argument is I cancelled because they were wanting something I could not possibly produce,it was for my work van and could not risk being uninsured, so with so many threatening letters telling me my insurance was going to be cancelled within 7 days of the letter of which I had 3 of it had had enough.
As I recall the premium would have been around £350 of which I paid in total in the 3 months was £189.00.
I never replied to creation because it was all just a farse from picking up the phone to Bedford insurance in the first place ,somebody's incompetence triggered it all off.
Also when I changed to budget insurance there was no issue with the ncd proof so how could there have been a problem in the first place.
Really annoyed that they even have the gaul to pursue this .

[wales01man]

Re: Van insurance, cancellation,lovell, bw legal

They have now taken Court action you need to defend plenty of help on here

[des8]

Re: Van insurance, cancellation,lovell, bw legal

"I don't believe I ever had a letter telling me I owed any outstanding amount."
When Creation Finance wrote to you after you had cancelled the policy and your direct debits surely they stated there was an amount owing?
Have you kept any of the past paperwork?
IMO there will be an outstanding amount due, and it will be acase of checking if it is correct or not.

There may be other ways to dspute this claim , so tagging those more capable than I in those procedures. [MENTION=6]Amethyst[/MENTION], [MENTION=55034]nemesis45[/MENTION]

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Hi,
The last letter I have is (your policy is now cancelled).
The amount they are claiming is £ 371.66 plus all the fees now £456.66 .
Now that to me is a full years insurance and that's on top of the £189.00 I've already paid.

[des8]

Re: Van insurance, cancellation,lovell, bw legal

From whom did that last letter come?

You said (post 2) your finance was over 12 months.
In post 4 you said you had paid £189 in 3 months. ie £63 per month?
£63 x 12 = £738, but in post 4 you reckon your annual premium was c£350

Your figures don't seem to add up, but I suspect you feel you had the benefit of a NCB, but for some reason this was not accepted by the new insurers .
From what you say it seems they thoyght it had already been applied to another vehicle.

If your premium was in the £750 bracket for 3 months insurance at short term rates I guess your insurers would have required about £400,
For cancelling the broker would have talken £90
So the creation would have received a return of about £250
£250 + £!90 paid by you=£440, which is about £300 short of what was lent.
Because the loan was redeemed early there would be further charges levied by Creation.
Obviously the figures I use above contain a bit of guesswork, but you can see how the amounts build up.

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Hi ,
Thanks for the reply.
Not a chance on earth I would have taken out a policy at a cost of £750 ,the very most my insurance has been is a max of £400 including the credit charge.
The first payment was £88.00 set up ,second was £41 and the third £61 why it differs I have no idea but know it was no where near £750 ,thanks

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

What this looks like to me is if Bedford received the full premium then made a imaginary problem with my ncd ,made me cancel and put it on creation to try get the full premium of me ,that's how I see it

[wales01man]

Re: Van insurance, cancellation,lovell, bw legal

Did you send the proof of NCD to them if you did you can argue the point

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Yes of course ,that is always a condition of the policy.
Had nine years without interruption that's why I couldn't fulfill there request for a explanation, there wasn't any ,cheers

[des8]

Re: Van insurance, cancellation,lovell, bw legal

Hi ,
Thanks for the reply.
Not a chance on earth I would have taken out a policy at a cost of £750 ,the very most my insurance has been is a max of £400 including the credit charge.
The first payment was £88.00 set up ,second was £41 and the third £61 why it differs I have no idea but know it was no where near £750 ,thanks

From what you are telling us, i think you were probably quoted a premium based on maximum NCB.
As there was some sort of problem over this, when you cancelled all premiums would have been calculated on the basis of "No NCB"
Now I don't know what sort of problem was encountered except you say it was "overlapl NCB". Perhaps for some reason the insurers thought you had already used it on another vehicle.
When they (your broker?) wrote threatening to cancel your policy, what was the reason given in the letter?

[jamesclement]

Re: Van insurance, cancellation,lovell, bw legal

Hi ,
August ,received a letter asking me to contact there office with regards to the ncb entitlement.
September, received a letter ,formal notice of cancellation ,no reason stated ,just telling me to return the cover note.
And obtain cover elsewhere.
October, final reminder,query regarding the ncb overlap,we can not process your policy until late all matters are resolved.
November, formal notice of cancellation (direct debit default)return your cover note ,obtain cover elsewhere.
December, your policy is now cancelled.
That's the whole of the paperwork I have

[des8]

Re: Van insurance, cancellation,lovell, bw legal

From your posts it appears that for some reason the insurers thought there was an overlap, ie your existing policy was still effective when you took out your new policy.
If that was the case they would need to check the circumstances to ensureyou weren't using the NCD on two vehicles at the same time.

Having failed to sort the problem, you opted to effect another policy.
You say you cancelled the policy placed through Bedford, but their letters say they cancelled the policy due to failure of your direct debit.
Did you write cancelling the policy or did you just cancel your direct debit?


One other point to note:
you suggested your policy was in force for three months, however looking at he letters they sent you they consider themselves on cover for five months, which would make their charges more reasonable.

I think you were probably badly advised by Bedford, who failed to tell you clearly what was required.
I doubt tho' there is much you can do about it now