Wrongly linked to CCJ

Cs7784

This is what I thought, as I've had credit card applications and opened a new business bank account with no issues. Thanks, it's nice to know someone can see where I'm coming from. I'm going round and round in circles trying to get sense out of them.

Brodiebobs

Speak to a manager and lodge an official complaint, if they don't resolve take it to the FOS.

You've provided proof it was an error, they need to explain where they got the information from.

Once resolved i'd also ask for compensation for your time wasted, and them to reinstate your cover.

Some insurers are very faceless and the handlers in a call centre either dont understand, or are not able to deal with more complex inquiries or claims.

D_M_E

Find out who the top person is at the insurance company and send whoeveritis a complaint

The MSE editors will not allow me to add the link - search for ceoemail and find your insurers.

MEM62

Cs7784 wrote: »

The letter states that because I didn't inform them of the CCJ that that is grounds for cancelling the policy.

And I will repeat my opinion that it is not - unless the CCJ has a material affect on the underwriting decision of the policy.

If you search trust online and send them a copy of the report that shows you have no CCJ then that should resolve the matter. However, as I am capable of being a pedant, I would still push them to justify why having a CCJ is grounds for cancellation of the policy. It simply isn't unless there are other factors involved and they cannot simply declare your policy void because you got a CCJ. If that were the case thousands of insurance policies would be cancelled daily.

Brodiebobs

MEM62 wrote: »

And I will repeat my opinion that it is not - unless the CCJ has a material affect on the underwriting decision of the policy.

If you search trust online and send them a copy of the report that shows you have no CCJ then that should resolve the matter. However, as I am capable of being a pedant, I would still push them to justify why having a CCJ is grounds for cancellation of the policy. It simply isn't unless there are other factors involved and they cannot simply declare your policy void because you got a CCJ. If that were the case thousands of insurance policies would be cancelled daily.

Yes they can, and do.

The insurers underwriting criteria might not have accepted you with a CCJ, or they might have accepted you but at additional cost.

Their question set/Statement of fact would have asked about previous insolvancies, ccj's, bankruptcies etc.

If you say you haven't had any, then they check and you have its grounds to void your cover because you lied. I work in the industry and have seen it happen numerous times... same with non-disclosure of previous claims.

Not that it relates to the OP!

MEM62

Brodiebobs wrote: »

Yes they can, and do.

The insurers underwriting criteria might not have accepted you with a CCJ, or they might have accepted you but at additional cost.

Their question set/Statement of fact would have asked about previous insolvancies, ccj's, bankruptcies etc.

If you say you haven't had any, then they check and you have its grounds to void your cover because you lied. I work in the industry and have seen it happen numerous times... same with non-disclosure of previous claims.

Not that it relates to the OP!

Hence my caviat unless the CCJ has a material affect on the underwriting decision of the policy.

I understand that there may be a reason for exclusions for certain policy types, particularly relating to insolvencies, but I cannot see how it is relevant in this case. The cancellation of a home insurance policy incurring a CCJ? Really?

[Deleted User]

Brodiebobs wrote: »

Yes they can, and do.

The insurers underwriting criteria might not have accepted you with a CCJ, or they might have accepted you but at additional cost.

Their question set/Statement of fact would have asked about previous insolvancies, ccj's, bankruptcies etc.

If you say you haven't had any, then they check and you have its grounds to void your cover because you lied. I work in the industry and have seen it happen numerous times... same with non-disclosure of previous claims.

Not that it relates to the OP!

Within the industry, from where do you source information about CCJs?

Cs7784

johnsmith1890 wrote: »

Within the industry, from where do you source information about CCJs?

Yes I would like to know this, as I have checked with Experian Equifax and Call credit and all clear-no CCJ.
Where can they be getting their info from?

[Deleted User]

Cs7784 wrote: »

Yes I would like to know this, as I have checked with Experian Equifax and Call credit and all clear-no CCJ.
Where can they be getting their info from?

It's possible that they'd only look for this if, or when, you claim. Maybe they pay to search the Trust Registry. I wouldn't put it past them.


As an insurance company they'll be afflicted with institutional stupidity, so it wouldn't be surprising if they'd confused you with someone else.

Brodiebobs

I cant speak for this unknown insurer, but ones i've been aware of some clients have 'fessed up when a loss adjuster has gone through the statement of fact with them, some have been credit checked after a claim or if there are suspicions about a claim, or in the case of companies the information is readily available on companies house.

In the OP's case I've no idea-hence my comment telling them to make a complaint and try obtain the info from the insurer.