Cancel ANY insurance @ ANY time with ZERO fee's to pay

mickaveli2001

I have helped eliminate stress inducing DCA's and demands giving some reassurance and peace of mind to a few struggling families and I am grateful that it has helped those in particular. Unfortunately, this is a reaction that I have become familiar with over the years, and as methods of success have gained more prominence certainly in the last year or 2, firms have actually hired officers to discredit progress, which costs these firms a lot money annually, while others find these successes incomprehensible.


Your are right, this is a money 'saving' forum and I would like to know that some could find some usefulness, even if it were to save someone £20. I would be interested in hearing your thoughts and contributions to money saving agrinnall, as that's why we are all here

InsideInsurance

mickaveli2001 wrote: »

that's why we are all here

Not all posts and comments are about money savings.

Inevitably there are many shades of grey on all activities. Some people, not saying you, do suggest doing things that are illegal or in the grey area or at least are morally questionable.

Certainly I am all for money saving, I would always say to shop around at renewal and if your insured with Admiral Group then also call them for a discount as they always do. I do also however point out the errors or the potential consequences of advice that may well have been given in good faith but could be fraud, theft etc.

So back to your post, yes you can sometimes complain your way out of cancellation fees but that is a commercial decision made by the insurer/ broker. The rest of your pseudo legal ranting is just plain wrong. So certainly enlighten people to complain so that they may also possibly avoid the fees but miss out the false justifications.

At the end of the day however this will ultimately not be money saving. Insurers/ brokers at the demand of their shareholders will do what they can to make their profits and if the avenue of cancellation fees goes we simply see premiums go back up but given the earning pattern of premium -v- fees then the chances are the rise has to be higher than the fees were. Thus, for those who dont intend to cancel policies this will not be money saving but costing them money

Nearlyold

Google Freeman of the Land (FOTL) if you'd like to read more of this sort of "legal" stuff. I started to read the thread but ran out of time as the postman was at the door delivering the Tin Foil Hat I'd ordered and I wanted to try it straight away!

kingstreet

mickaveli2001 wrote: »

If you look at any Act of Parliament you will notice the absence of the word 'law'

An Act Of Parliament becomes law when the Act receives Royal Assent.

That is the last step in the process of a bill becoming law;-

Green Paper
White Paper
Bill
First Reading
Second Reading
Committee
Report
Third Reading
Lords Stages
Royal Assent.

"The final stage is when the Crown formally assents to the Bill in order for it to pass into law."

That just about covers it...

mickaveli2001

Nearlyold wrote: »

Google Freeman of the Land (FOTL) if you'd like to read more of this sort of "legal" stuff. I started to read the thread but ran out of time as the postman was at the door delivering the Tin Foil Hat I'd ordered and I wanted to try it straight away!

EDIT: Below is by definition, and certainly does not in any way shape or form endorse any bonkers hippy movement

mickaveli2001

kingstreet wrote: »

An Act Of Parliament becomes law when the Act receives Royal Assent.

That is the last step in the process of a bill becoming law;-

Green Paper
White Paper
Bill
First Reading
Second Reading
Committee
Report
Third Reading
Lords Stages
Royal Assent.

"The final stage is when the Crown formally assents to the Bill in order for it to pass into law."

That just about covers it...

An ACT, by definition in civil law, is contracts. A writing which states in a legal form that a thing has been said, done, or agreed. Hence the last 3 letters being used in contract and only solidifies itself as 'law' once it has been agreed upon. It requires either written or formal agreement. Deceptive as it is (why you won't find it on a random Google search) is why bar associated individuals take an oath in the first place but then we agree contracts every day without even realising it

agrinnall

Quentin wrote: »

Seems harsh.

Really? Have you read his Council Tax post? I think his tin foil hat must have slipped off.

rs65

mickaveli2001 wrote: »

I don't understand?

Well, chances are you would be correct once in this thread.

If anyone else is reading this whilst looking to avoid charges, please ignore everything the OP posts.

mickaveli2001

agrinnall wrote: »

Really? Have you read his Council Tax post? I think his tin foil hat must have slipped off.

Tin foil hat? I have cheques, clean drivers license 'after' being sent speeding offenses, and I have had sheriff officers who passed the buck back to the local council who have in turn removed any and all accounts under my name, making me council tax exempt saving almost £3K in the last 3 years. Please enlighten me as to where the tin foil hat is?

kingstreet

mickaveli2001 wrote: »

An ACT, by definition in civil law, is contracts. A writing which states in a legal form that a thing has been said, done, or agreed. Hence the last 3 letters being used in contract and only solidifies itself as 'law' once it has been agreed upon. It requires either written or formal agreement. Deceptive as it is (why you won't find it on a random Google search) is why bar associated individuals take an oath in the first place but then we agree contracts every day without even realising it

I'm sorry I don't understand any of that.

I was simply clarifying when you said;-

If you look at any Act of Parliament you will notice the absence of the word 'law'

it doesn't have to contain the word "law" for it to be a law.