WARNING! Insurance scam from BUDGET

angelboy

Rebob wrote: »

I had similar. I phoned the insurance company (cannot remember the name off hand) to tell them I had a 3 year license due to health problems which could not be entered on the website. The operator said she had added it and that I would be covered and to continue paying for the policy online. I did this and when the paperwork arrived they had missed it back off. I phoned and was told that I could not be covered by them although they had taken my money. It took a month to get it back. I went to a local broker and got a policy that was better for £40 less in the end.

So that's 2 of us over 3 insurance policies.

How many do we need to officially title this as an insurance SCAM!

lisyloo

I stand before what I say

Do you have printouts/screenshots?
As a precaution in future I would recommend printouts/screenshots or dealing with reputable companies.

It's liable when it's in it's written form.

For my own interest, does that include digital formats e.g. email, forums?

Article 19 of the Universal Declaration of Human Rights recognises my freedom to hold opinions without interference.

You weren't expressing an opinion, you were making an allegation of an illegal act.
BIG difference.
If you said you thought they weren't very good then that's your entitlement.
If you claim someone has committed a murder etc. then that's amn allegation and people are entitled to sue you if you cause damage by false allegations.
If you can't prove what you have said then you are in a very weak position.

It's not an allegation when I have proof from the completed website form and then the hard copy policy documents in my hands.

Are you saying you have proof it was THEIR mistake?
In which case why aren't you claiming from them?

In addition, there is no point in suing someone if they are not worth suing!

There are.
There could potentially be a point to either 1) get a public apology or 2) make the person bankrupt.
I'm not saying either of these are remotely likely as I doubt you've done any real damage, but theorectically there is a point to suing someone beyond getting financial recompense.

angelboy

dunstonh wrote: »

Are you only happy with responses that you want to hear?

Of course....isn't everyone? Why should I be different.......

dunstonh wrote: »

However it does not allow you to libel a company or person incorrectly. You are making an accusation of a scam. It is not a scam. It is an error.

WARNING - ERROR MADE FROM INSURANCE COMPANY - doesn't really hit it for me y'know! Maybe I should ask the red tops how it works in practice.

dunstonh wrote: »

Complain if you are not happy and supply your proof to back up your accusation. You may not need it as they can tell what was input on to the system as the data capture is recorded.

I tried to do this on the phone to be rebuked with only myself to blame and no action COULD be taken unless I paid the extra £200.

dunstonh wrote: »

ASDA are catering for the bottom end of the market. Their target market is price conscious. So, they are marketing to the people that shop there. They are not marketing to the people that wouldnt go to ASDA even if it is cheaper.

ADSA catering for the bottom end of the market?!? I'm sure that accusation could be seen as libelous to the wonderful supermarket chain owned by the richest family in the world.

lisyloo

I tried to do this on the phone to be rebuked with only myself to blame and no action COULD be taken unless I paid the extra £200.

People who work for the company will obviously protect the companies interests.
If you have real proof then you have 2 routes.

1) Complain officially (I recommend 77p for recorded delivery). Be clear on what you want. If not joy then go to financial ombudsman. If you have proof you should win. This is slow but FREE apart from postage.
2) Quicker but bit more expesnive route is to go through the small claims court. You may need a day (or half day) off work in addition to court fees. Again if you have proof you have a very good chance of winning.

Personally I'd rather here the truth and be open to changing my opinions than have people tell me what I want to hear.

angelboy

lisyloo wrote: »

Do you have printouts/screenshots?
As a precaution in future I would recommend printouts/screenshots or dealing with reputable companies.



For my own interest, does that include digital formats e.g. email, forums?



You weren't expressing an opinion, you were making an allegation of an illegal act.
BIG difference.
If you said you thought they weren't very good then that's your entitlement.
If you claim someone has committed a murder etc. then that's amn allegation and people are entitled to sue you if you cause damage by false allegations.
If you can't prove what you have said then you are in a very weak position.



Are you saying you have proof it was THEIR mistake?
In which case why aren't you claiming from them?



There are.
There could potentially be a point to either 1) get a public apology or 2) make the person bankrupt.
I'm not saying either of these are remotely likely as I doubt you've done any real damage, but theorectically there is a point to suing someone beyond getting financial recompense.

Screen shots can be altered easy enough in Photoshop.

Libel is defamation in it's written form. Even on the back of the toilet door!

I believe scam is a word I'm happy using. I believe that they have tried to trick me. I will await other responders to this message before I retract the word scam - openly on this forum - but I am interested if this has happen to any (many) others before I'd raise my head higher and should it louder.

I tired to explain it to the CS rep but he was having none of it.
If I can loose that company more than £38 of business by making people think twice about using them by listening to my 'first hand' experience with them then I'm happy.

It would not be a favorable outcome for the person taking another to court with the sole objective to make them bankrupt. Precedent has been set for this which it a good reason for alternative dispute resolutions - for example, an apology.

angelboy

lisyloo wrote: »

People who work for the company will obviously protect the companies interests.
If you have real proof then you have 2 routes.

1) Complain officially (I recommend 77p for recorded delivery). Be clear on what you want. If not joy then go to financial ombudsman. If you have proof you should win. This is slow but FREE apart from postage.
2) Quicker but bit more expesnive route is to go through the small claims court. You may need a day (or half day) off work in addition to court fees. Again if you have proof you have a very good chance of winning.

Personally I'd rather here the truth and be open to changing my opinions than have people tell me what I want to hear.

Both good advice, thank you.

angelboy

Just to set straight - I'm not here to argue with people - I do get defensive - Apologies

Don't focus on the word 'scam' or wether I paid to cancel.

I'm looking for other people that have had this happen to them so that I can firmly stand behind what I've said.
I honestly don't believe that I'm the only one so I'm looking for other peoples stories - to which many will probably not have proof other than their own experiences.

Before there was a big push with PPI, everyone assumed that the banks were not doing anything wrong, that is until there was weight behind it from the masses. Look now, millions are being paid back.

I think the insurance companies, like the banks, have many tricks up their sleeves for unsuspecting consumers, those people who don't question but just accept - my mum is one of them - and it's time for these companies to offer a fair honest service for the money they charge.

It is them, after all, who decide the risk they're willing to take in the form of the premium, not me - I just pay and I'm not the only one who looks to buy the cheapest premium.

dunstonh

ADSA catering for the bottom end of the market?!? I'm sure that accusation could be seen as libelous to the wonderful supermarket chain owned by the richest family in the world.

Its not libellous. Look at the adverts, look at the style of their shops, look at their stock and look at the people that shop there (in general). Their model is all about being the cheapest volume seller.

Before there was a big push with PPI, everyone assumed that the banks were not doing anything wrong, that is until there was weight behind it from the masses. Look now, millions are being paid back.

Not true. I put in my first mis-sale complaint about PPI back in 1998 and had done several over the years. Its just become mainstream now.

No-one here is saying what has happened is right or acceptable if left like that. However, you say you have evidence that shows you gave the correct info. They say you dont. So, you complain.

angelboy

https://forums.moneysavingexpert.com/discussion/comment/45088054#Comment_45088054


Another person with a similar complaint to mine!