Gap Insurance

visidigi

FOS = Financial Ombudsman Service.

keyser666

yar wrote: »

Of course letters aren't assumed to have arrived. You may be confusing it with deemed date of service of court papers- they're deemed served a certain number of days after posting. They could still be lost.

Under section 7 of the interpretation act:

Where an Act authorises or requires any document to be served by post (whether the expression “serve” or the expression “give” or “send” or any other expression is used) then, unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have been effected at the time at which the letter would be delivered in the ordinary course of post.

The OP was sending a notice to cancel, so would be deemed delivered

stevemLS

That's fine, but which Act "requires or authorises" service of this particular notice of cancellation?

I have fallen foul of this before in a professional capacity.

keyser666

It would come under English Contract Law

bris

It's all a bit strange really, you said you cancelled it because you couldn't afford it 2 years ago but then you forgot to check you received a refund of £400 that you needed?

I think you will struggle with this one, 2 years later you will have to be really good to convince a judge that you forgot to confirm a letter you sent for a £400 policy you couldn't afford was received.

yar_2

well some of us of things too do and forgetting something is not againt the law , more contructive replies would be more helpfull

yar_2

bris wrote: »

It's all a bit strange really, you said you cancelled it because you couldn't afford it 2 years ago but then you forgot to check you received a refund of £400 that you needed?

I think you will struggle with this one, 2 years later you will have to be really good to convince a judge that you forgot to confirm a letter you sent for a £400 policy you couldn't afford was received.

well some of us of things too do and forgetting something is not againt the law , more contructive replies would be more helpfull, probably why you have so many posts!

unholyangel

bris wrote: »

It's all a bit strange really, you said you cancelled it because you couldn't afford it 2 years ago but then you forgot to check you received a refund of £400 that you needed?

I think you will struggle with this one, 2 years later you will have to be really good to convince a judge that you forgot to confirm a letter you sent for a £400 policy you couldn't afford was received.

I picked up something similar from the OP. If he couldnt afford gap insurance, presumably he got insurance elsewhere. So couldnt afford one policy but has been paying for 2 without noticing.

And I assume he's paid another years premiums with gap given he says he called them and they said the policy was still active. Surely he wouldve gotten a renewal notice from them?

yar_2

unholyangel wrote: »

I picked up something similar from the OP. If he couldnt afford gap insurance, presumably he got insurance elsewhere. So couldnt afford one policy but has been paying for 2 without noticing.

And I assume he's paid another years premiums with gap given he says he called them and they said the policy was still active. Surely he wouldve gotten a renewal notice from them?

lol another one .

keyser666

yar wrote: »

well some of us of things too do and forgetting something is not againt the law , more contructive replies would be more helpfull, probably why you have so many posts!

yar wrote: »

lol another one .

Both bris and unholyangel have been giving constructive advice here for years, they also do so whilst evaluating posts made by people and I think they have picked up a valuable and legitimate aspect of the original post which should be asked/mentioned.