URGENT HELP needed. AVIVA are doing my head in.

moredough

Just to close this and clarify a thing or two.

They finally sent me a letter which says

'This was our error and we greatly apologise for any inconvenience this has caused you. This error was due to the fact that we were changing computer systems in our office at the time of your 08/09 renewal and some of our policy documentation was not sent out correctly. Again I apologise for this.

Usually when a policy lapses at renewal, we are not able to backdate the cover. However, as this was our error, had you made any claims between 10/08 and 10/09, we would have honoured these, although we would have required that year's insurance premium to be paid.

However, as ther were no claims during this time, we can also offer a second option, to write off the outstanding premium for that period.

Couple of things:

Are you insured with Aviva, formerly Norwich Union. If so I'd go and check everything is in order.

I still doubt to believe they would have honoured any claims, as I would have fallen at the first hurdle. Sorry Mr X your policy ran out in October 08, Then I would have thought it was all my fault for forgetting to renew. The claims hendler would not be in a position to backdate the cover. I would be told and have believed you can't backdate cover.There wouldn't be an investigation. It's only because the cover was accidentaly backdated they are saying that.

huckster

Hi

You really should making an official complaint to the CEO of Aviva and asking for compensation. It is up to you how much you ask for.

Don't forget Aviva issued a default notice, so will probably have advised the Credit reference agencies to note your credit record. So the next time you remortgage or apply for a loan, you could be rejected or end up paying a higher percentage rate.

If I were in your shoes I would be asking for £500, plus a years free Insurance and a letter of apology confirming that any information provided to credit reference agencies has been corrected. If you complained to the FOS, Aviva would have to pay the FOS a case fee of £500.

I could tell a few horror stories about Aviva and their history of !!!! ups following IT changes. But as this site is not moderated I will perhaps not go there.

moredough

huckster wrote: »

Hi

You really should making an official complaint to the CEO of Aviva and asking for compensation. It is up to you how much you ask for.

Don't forget Aviva issued a default notice, so will probably have advised the Credit reference agencies to note your credit record. So the next time you remortgage or apply for a loan, you could be rejected or end up paying a higher percentage rate.

If I were in your shoes I would be asking for £500, plus a years free Insurance and a letter of apology confirming that any information provided to credit reference agencies has been corrected. If you complained to the FOS, Aviva would have to pay the FOS a case fee of £500.

I could tell a few horror stories about Aviva and their history of !!!! ups following IT changes. But as this site is not moderated I will perhaps not go there.

The last time I spoke to them they said they couldn't tell me if any information had been supplied to credit reference agancies. They gave me a phone number at callcredit, who they say they use, although it was an automated service, so I went on their website and found details of how to apply for my statutary credit report for £2, which I have done. I've also done a free trial on experian which doesn't show anything adverse, although I don't know if it will show so soon if they use callcredit.

I'll take it further if they have supplied any missed payment information, It just seems like too much hassle otherwise. I'm done with all the stress from dealing with them, and don't want any more.

huckster

Moredough

It can take a month or so before your credit record and rating are affected.

So keep an eye on it and if at any time, you have a problem, don't mess around, complain to the CEO of Aviva.

snowbear21

missile wrote: »

It was your oversight and I don't see that you have any grounds for complaint:mad::mad:
Just think yourself fortunate you did not have an incident.:rotfl:

Ok, you overlooked your renewal for October 2008 to October 2009 and didn't have any insurance. Fine - but - it's now December 2009, is it not? So why would you pay for insurance for last year when you didn't have any need to claim on it? I mean, why not take out insurance for, say, 1949, while you're at it? They'd be happy to collect money and never have a claim made (not trying to be rude, but insurance companies exist to MAKE money and if they can crook you, they will).

Write Aviva and tell them you misunderstood what they were telling you when you agreed to renew the policy and were missold the product, which is why you did not (and will not) pay it. I'm sure you THOUGHT you were agreeing to renew your policy from October 2009 to October 2010 - not for a previous year.

Tell them you didn't want a policy for Oct 2008 to Oct 2009, you wanted one for Oct 2009 to Oct 2010. Which they didn't give you. Tell them to stop sending you default and any other type of collection letter because you have no intention of paying for a missold product. At the bottom of the letter, "cc" it to the OFT - and send them a copy as well. Make sure you send your letter to Aviva to their Complaints Department via recorded post - and keep copies, because it may take 3 or 4 times for it to sink in their wee heads. Go into your bank account and cancel any direct debit or standing order with Aviva right away - so they can't take your money. Then go to another insurance company and take out a completely different policy.

And - as Huckster said - make sure they haven't done a fast one on you and tried to mess around with your credit rating.