RAc conmen

bayness0

I m so angry, I am in the middle of a nasty divorce, my inlaws have stolen my car and I can't do anything except a small courts claim because I accepted a cheque. Now I go to cancel my RAC cover (5 months remaining) and get told, oh you can cancel but we keep all the money you paid. What a bunch of conmen.

Has anyone ever managed to get their money back out of hte RAC?

Quentin

All covered by their ts + cs which you agreed when joining (no refund if you cancel).

mikey72

Ring the FOS. They will advise you if the t&c's are fair, or if it's worth pursueing a complaint with them.

McKneff

You agreed to pay for a year's cover.

If the inlaws stole your car get the police involved.

poppasmurf_bewdley

So what you're saying is 'You've been shafted', so is it fair that someone else won't let you 'shaft' them?

mikey72

Why do all these threads always turn into "Hard luck, you signed the t&c's, it doesn't matter if they're fair or not"
Does everyone really roll over that easily now?

esmerobbo

Have you used the services of the RAC since the cover began?

poppasmurf_bewdley

mikey72 wrote: »

Why do all these threads always turn into "Hard luck, you signed the t&c's, it doesn't matter if they're fair or not"
Does everyone really roll over that easily now?

You mean 'why do people think it's right to honour contracts?'

It sounds as if you're happy for people to sign a contract and keep to it when it suites them, but when circumstances change, it's ok to moan and groan and try to get out of it no matter what.

People have to be responsible for what they sign.

I don't know if you own or rent your home, but I do hope the mortgage holder or landlord don't one day turn up to evict you saying it doesn't suit them any more to honour the contract you signed.

mikey72

poppasmurf_bewdley wrote: »

You mean 'why do people think it's right to honour contracts?'

It sounds as if you're happy for people to sign a contract and keep to it when it suites them, but when circumstances change, it's ok to moan and groan and try to get out of it no matter what.

People have to be responsible for what they sign.

I don't know if you own or rent your home, but I do hope the mortgage holder or landlord don't one day turn up to evict you saying it doesn't suit them any more to honour the contract you signed.

So, you would have no problem at all then if they decided to close on the mortgage, for no reason, just because you signed a contract saying they could, and it was re-payable subject to their notice.
You'd meekly let them sell the house and move out?
Unfair bank charges, you're dead against Martin on that?
No refunds signs in shops, that's ok for you, SOGA doesn't apply then?
Consumer rights, trading standards, shut them all so long as someone signed the t&c's somewhere?

poppasmurf_bewdley

mikey72 wrote: »

So, you would have no problem at all then if they decided to close on the mortgage, for no reason, just because you signed a contract saying they could, and it was re-payable subject to their notice.
You'd meekly let them sell the house and move out?
Unfair bank charges, you're dead against Martin on that?
No refunds signs in shops, that's ok for you, SOGA doesn't apply then?
Consumer rights, trading standards, shut them all so long as someone signed the t&c's somewhere?

On your first point. No, because I wouldn't have signed a contract that said that in the first place.

Your second point wouldn't therefore arise.

Your third point - I don't get bank charges because I check my bank account every day and make sure I have enough to meet my expenditure.

Signs in shops that are illegal - totally ignore them as they have no legal standing (unlike proper contracts I may sign).

Consumer Rights and Trading Standards - they'll only tell you what I said in my reply to your post - If you sign a legal contract, don't try and wriggle out of it.

mikey72

poppasmurf_bewdley wrote: »

On your first point. No, because I wouldn't have signed a contract that said that in the first place.

Your second point wouldn't therefore arise.

Your third point - I don't get bank charges because I check my bank account every day and make sure I have enough to meet my expenditure.

Signs in shops that are illegal - totally ignore them as they have no legal standing (unlike proper contracts I may sign).

Consumer Rights and Trading Standards - they'll only tell you what I said in my reply to your post - If you sign a legal contract, don't try and wriggle out of it.

So basically, "I'm alright, but I can laugh at others"

As to 1), I'm assuming you don't have a mortgage, so see above, or you wrote the contract, and the bank signed it.