XSDirect saying I owe them £51,000 !!!!!

Sea_Shell

Can you post up a copy of the insurer's cancellation letter?

ariyanxh

Sea_Shell said:

So if your policy was not cancelled until 1st February 2018, and your accident was in the January, then they do not appear to have voided from inception and should only be pursuing you for your excess.

That’s what I thought reading that email. So on what grounds can they chase me for this?
last I check i paid off what I owed. If I still owe money surely they would chase me for that first?

ariyanxh

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

olgadapolga

ariyanxh said:

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

Could you not get a copy of all correspondence by making a subject access request to them?

ariyanxh

olgadapolga said:

ariyanxh said:

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

Could you not get a copy of all correspondence by making a subject access request to them?

I’d have an easier time drawing blood from stone. 

onlyfoolsandparking

ariyanxh said:

olgadapolga said:

ariyanxh said:

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

Could you not get a copy of all correspondence by making a subject access request to them?

I’d have an easier time drawing blood from stone. 

But where a potential £51K liability is concerned I'd be squeezing that stone with everything i've got.

ariyanxh

onlyfoolsandparking said:

ariyanxh said:

olgadapolga said:

ariyanxh said:

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

Could you not get a copy of all correspondence by making a subject access request to them?

I’d have an easier time drawing blood from stone. 

But where a potential £51K liability is concerned I'd be squeezing that stone with everything i've got.

I raised an official complaint today. I’ll wait for them to get back to me and I’ll make that request. At this point I wouldn’t be surprised if they started forging and fabricating documents. Wouldn’t put it past them. Really should have kept those letters !!!!!!

Grumpy_chap

OP - what was the start date of the insurance policy?
What was the date of the accident?

born_again

Our Insurance services include the sale of XS Direct car insurance underwritten by Calpe Insurance Company Ltd, Alwyn Insurance Company Limited & Watford Insurance Company (Europe) Limited. We are not under a contractual obligation to conduct insurance mediation business exclusively with one or more insurance undertaking and we do not give advice on the basis of a fair analysis of the market. We are remunerated by commission and fees. We reserve the right to charge fees for policy set-up, policy adjustments, premium refunds and any administrative tasks. The individual fee for each of these services is £40. In the event that you decide not to go ahead with a policy (once it has commenced), a non refundable administration fee of £40 will apply. On payment by credit card, an additional charge of 1.7% will apply which covers the charges to us from the bank for the use of this facility. 

Nice to see they are breaking the law on charging extra for using a Credit Card. Unless these are all business policies.

T/C also make no mention of their ability to cancel a policy. 

Was level was the policy?
Full Comp, TP,FT or just 3rd party? Given you were not claiming for your car.

powerful_Rogue

ariyanxh said:

onlyfoolsandparking said:

ariyanxh said:

olgadapolga said:

ariyanxh said:

Sea_Shell said:

Can you post up a copy of the insurer's cancellation letter?

Believe it or not the letters were disposed of only a few months ago. Lesson learnt. 

Could you not get a copy of all correspondence by making a subject access request to them?

I’d have an easier time drawing blood from stone. 

But where a potential £51K liability is concerned I'd be squeezing that stone with everything i've got.

I raised an official complaint today. I’ll wait for them to get back to me and I’ll make that request. At this point I wouldn’t be surprised if they started forging and fabricating documents. Wouldn’t put it past them. Really should have kept those letters !!!!!!

Don't wait, submit a SAR straight away.