Hastings !!!!

uk_luk8

Car_54 wrote: »

Are you sure your credit agreement is with Hastings, rather than a third party?

Yes 100% its come up on my statement as HASTINGS DIRECT.

Also when I called asking what was going on the woman on the phone was agreeing with me hence its now under investigation.

27 days the policy has been cancelled for, no missed payments or arrears only money owed to myself.

AndyMc.....

uk_luk8 wrote: »

Yes 100% its come up on my statement as HASTINGS DIRECT.

Also when I called asking what was going on the woman on the phone was agreeing with me hence its now under investigation.

27 days the policy has been cancelled for, no missed payments or arrears only money owed to myself.

Get onto Action Fraud or your local plod ASAP.

Aylesbury_Duck

What's the big deal? They've messed up and are putting it right as well as making a gesture to back their apology. What loss have you/will you suffer as a result? Have you incurred overdraft charges or similar?

Honestly, just let them put it right and shop elsewhere in future.

uk_luk8

Aylesbury_Duck wrote: »

What's the big deal? They've messed up and are putting it right as well as making a gesture to back their apology. What loss have you/will you suffer as a result? Have you incurred overdraft charges or similar?

Honestly, just let them put it right and shop elsewhere in future.

My biggest gripe is that they barefaced lied to me about not having my card details to issue me money owed. Instead opting to send a cheque, which today I was told hadn't been processed, even though on two other occasions I had been told it had.

Then 27 days later decide to take money out of my account for no reason what so ever, without an explanation.

I have to say if none of that would bother you, then I envy you.

AndyMc.....

uk_luk8 wrote: »

My biggest gripe is that they barefaced lied to me about not having my card details to issue me money owed. Instead opting to send a cheque, which today I was told hadn't been processed, even though on two other occasions I had been told it had.

Then 27 days later decide to take money out of my account for no reason what so ever, without an explanation.

I have to say if none of that would bother you, then I envy you.

Aren't the meant to refund you by the same method you paid?

Aylesbury_Duck

Would it bother me? Yes. Would I be making such a fuss about it? I don’t think so.

Mercdriver

I am with the OP on this. A Direct Debit is easier for the customer as firstly they can cancel it with their bank and secondly the bank are responsible for making refunds for errors. If the insurance company take it by card, there is no such protection or rights, hence why companies prefer to have a card mandate rather than a Direct Debit.

Also taking a payment via card without the authorisation of the card holder is by definition fraud. By processing it they are declaring that the customer has authorised the transaction, which in this instance the customer hasn't done. Now the intent may not have been to defraud, but it is improper use of the card details and using without cardholder authorisation is fraudulent whether by intent or not.

AndyMc.....

Mercdriver wrote: »

I am with the OP on this. A Direct Debit is easier for the customer as firstly they can cancel it with their bank and secondly the bank are responsible for making refunds for errors. If the insurance company take it by card, there is no such protection or rights, hence why companies prefer to have a card mandate rather than a Direct Debit.

Also taking a payment via card without the authorisation of the card holder is by definition fraud. By processing it they are declaring that the customer has authorised the transaction, which in this instance the customer hasn't done. Now the intent may not have been to defraud, but it is improper use of the card details and using without cardholder authorisation is fraudulent whether by intent or not.

You can't accidentally commit fraud.

esmerobbo

How did you make you're first payment to Hastings? When I have taken out online insurance the first payment is by card and the rest spread out over direct debit.

Norman_Castle

[QUOTE=uk_luk8;75235359

If they had my card on file to take payment, why have they told me, once on the phone and once over chat, that they cannot make any payments to me, because they have no card details on file so they have to send a cheque.

[/QUOTE]
I recently had a partial refund for a holiday paid for with my debit card. The only options to repay me were by cheque or a bank transfer even if I gave them the card details.