I'm wondering if it had anything to do with them changing the name and stuff,things get mixed up?
You and me both Pond! It wouldn't surprise me in the slightest.
I also feel that this is probably the issue with DVLA making out that I don't have a drivers licence. I suspect they've changed computer systems sometime during the past few years and someone doesn't know what an apostrophe is, so my name's gone onto their new database incorrectly.
Why is it SO hard for people to be accurate these days?
And the powers that be reckon that we'll be perfectly fine with their sodding stupid ID card plans? Aye, right! Scuse me while I guffaw loudly!
I remember years ago, when NU finished rider policies because they were Loosing money, then the next month they gave every member of staff a bottle of Moet BECAUSE OF RECORD SALES. Never been never NU again!
Well they've just lost themselves another customer... not that it'll bother them in the slightest!
Ooooh... I've just had a thought... Anyone who knows me on another site that's got *ahem* walls you can post on... erm... can I respectfully request that no mention is made of this please?! I don't want to worry my family any more than they're already worrying about me! I forgot my Dad just joined and sought me out...
Oh and by the way - this was all through the numberplate recognition
cameras... they had a huge set-up just off the A2 and were wheeling in
hundreds of cars/vans/lorries with various "issues". It was a 3 agency set-up. And a very successful one too by the looks of things!
They were also swabbing every flipping steering wheel for traces of drugs! So if you've just bought a car, make sure it's squeaky clean, or you might find it turned upside down cos the bloke who owned it before you was a coke head!
"I have this strange urge to physically punish a random innocent today "
Ooooh!! I could do with a good "physical punishing" Lou??
I'd seriously consider talking to a solicitor if I was you. This sounds like nothing more than a stupid admin error caused by a stupid insurance company that's got completely out of hand as a result of this nation's insistence on specifically targetting motorists for no reason other than we are an easy target.
I agree with you, I hate people who purposefully ride or drive without insurance/license etc. But that isn't the case here. Twenty years ago, you'd have gone to your local police station and they'd have chuckled with you at the incompetence of your insurance company and told you to make sure you're insured before collecting your car. "Forget about the release fee Miss, it obviously wasn't your fault!"
Nowadays! Not a chance.
So let me get this right? You're insurance company cancelled your insurance without advising you in adequate time because they were attempting to take payments from an account you told them they shouldn't be using??
Hello? Sod "every cloud", this ain't right!!!
No - I'm being slightly unfair here - they did originally warn me at the beginning of the month that they were going to cancel it...
(This is after I'd already cocked it up back in February by bouncing a payment against them cos I was on stupid sick pay and everything went a bit wrong! Hehehe! They DID cancel that policy and made me sign up for a new 12 month period in March. Which I did.)
They denied that I'd ever given them new bank account details for this new policy (I have no evidence - it's just my word against theirs)... The deposit for this policy was kindly paid by my sister on her plastic.
So... When I discovered I was under threat of policy cancellation I then made the payment via a Banker's Draft because they said they wouldn't accept a cheque from me and I don't have any plastic I can use to pay it.
Basically, they wanted to go ahead with the policy cancellation because I am a proven bad credit risk. I can't deny that!
What is missing, is their letter from them to me, stating that they were cancelling it anyway. I've looked back at the original letter and it doesn't actually say that if I make the payment it will rescue my policy. All it says is that I owe that much money.
I honestly don't believe I have a defence.
My finances have been spiralling out of control all year. I'm constantly juggling, just to try & keep the roof over my head and the wolves from the door. I've been messing about with various accounts, trying to keep at least one that I can receive money into without them nicking it all to cover their obscene charges, so I can have a bit of cash every now and then!
I'm wracking my brains, trying to remember the conversation, but it was nearly 5 months ago... I honestly don't remember what was said... I remember it being a 3-way conference call, so that my sister could give her card details for the deposit... but all I can honestly say is that I "think" I gave them the new account details.
I really believe I just have to hold my hands up and say "I screwed up" here.
In an earlier random rant, I cited my problems with Swinton Bikes who failed to answer two letters (one by recorded delivery) so I escalated it to their central customer services department. It transpired that no one answered the letters because they had moved but not notified me of the new address. It's now been sorted.
However, this pales into insignificance against your issues with Aviva. It looks like a new name has done nothing to improve their performance. I suggest you write to the insurance ombudsman and slap in a major complaint. It appears to me that you have been doing your best under difficult circumstances and they have been taking the mickey. I would also try to claim for the fine and impound fee since it was clearly caused by this stupid scum's incompetence and bloody mindedness. In spite of the worry to your parents, you should go public on this and at least threaten them with Watchdog. They've caused you major grief so take no prisoners.
I hear what you're saying Cata, but when all's said and done, I entered a contract with them and failed to keep up my end of it i.e. to make timely payments. Not once, but twice in the past 5 months. Even if I could come up with a payment to cover the next 12 months insurance, they will now not provide me with cover.
Car ownership is not a "right", it's a privilege. I personally feel I "need" a car, in order to conduct my life the way I want to, i.e. try to get my little business off the ground, spend time with my parents, helping with my Dad's care, go to work (if/when I find employment) etc etc, but there are certain responsibilities attached to owning/driving a car.
That's the law of the land and I've broken that law. Mitigating circumstances aside.
I will however, try to argue the point and to claim against them for the impound fee and the fine and I'll involve the ombudsman, but I don't think that going public with it would do me any favours. My parents are worried stupid over how I'm "managing" to cope on zero income... the fact of the matter is, I'm simply not coping! I'm not even paying my own BM membership! That's how bad it's got!
I'm already arguing the toss with the bank... I've gone from a zero balance to an unauthorised overdraft of over £800, just because companies are insisting on applying for direct debits from that account despite me instructing them not to and asking my bank to cancel absolutely everything associated with that account.
It seems that the poorer you are, the more you have to pay in order to get the same service as everyone else. I'm reduced to paying things by postal orders or banker's drafts, which all cost extra... My electricity is already on a key meter and I've just requested that my gas goes over to a meter, so that I can pay back the arrears on that account gradually.
I could do without the stress. I'll raise the money to get the car back and pay the fine with help and I'll sort it out and I will ensure that everything car-related takes absolute priority from now on. I've been so intent on stopping the mortgage company from forcing the sale of my house, that I've let other things slide.
Wannabe, if you have copies of letters instructing the companies that they are no longer authorised to claim on the DD mandate and or instruction to the bank to cancel mandates threaten them with the DD Guarantee scheme. It doesn't matter whether you owe companies money or not if you have notified them that you have withdrawn the mandate they have no right to claim funds from the account. Under the terms of the DD guarantee scheme the money (if they managed to get any) should be refunded immediately and they should also reimburse you for any bank charges arising from the claim whether your bank paid them or not.
Aha! That's well handy information - thanks Prof! The bank cancelled my standing orders without any problems but said I had to instruct the companies to stop taking the direct debits... which I did... and did again! And have just sent out another bunch of letters this week... I've given up trying to do things by phone because they just deny it.
It took me about 8 weeks to get a paper bill from BT so that I could pay cash over the counter!
You phone these people up because they want to do everything by phone and not in writing, then they simply don't bother doing what you ask them to and you have no paper trail to back yourself up.
Makes me mad, so everyone's been told I will now only communicate with them in writing. I'm fed up of companies failing to do what's been agreed over the phone and denying that they've received instruction.
Convenient that although "your phone calls may be recorded for training purposes" they never apparently record the conversations that you had with them, during which you gave them an instruction they failed to act upon!
There's a whole bunch of people in jobs out there just not bothering to do them... Thanks a bundle! I can't even get interviews most of the time!
WB as a customer service supervisor, i know that i am probably teaching you to suck eggs here hun, but always always get the FULL name of the person that you are speaking to and the time/date that you spoke to them, write it on the bill/demand as you are more likely to keep that than a bit of paper, also ask for the name of the supervisor/team leader.
![The Random Rant thread (47) - Forums [Biker Match]](/images/backgrounds/strips/8mobileLQ.jpg)
![The Random Rant thread (47) - Forums [Biker Match]](/images/backgrounds/strips/8desktopLQ.jpg)
