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

born_again

ariyanxh said:

The accident occurred in Jan 2018. I admitted liability straight away. I reported it to them myself straight away on the same day on the phone.
Policy was cancelled shortly after as per the email I attached earlier.
Then in March I agreed to pay a small amount monthly to pay off the debt via a debt collection company. I was paying it for over a year then finally end of 2019 I paid off whatever was left from the debt according to the debt collection company.
Aside from the 2 weeks window to return the forms and some emails asking me to pay them what I was owed I received no other correspondence until a few days ago. That’s the entire timeline. 

Never at any point did they follow up on getting the forms from me.

So you paid a debt recovery company who may well have bought the debt. NOT the actual insurance company.

So you must have defaulted on your monthly payments to the Ins co for them to pass it to a debt recover company. Who was this co?

Anyone else think that will not reinstate the policy? As the payments will go to the debt co, not the ins co.

Sea_Shell

olgadapolga said:

Sea_Shell said:

ontheroad1970 said:

Sea_Shell said:

What were the brief circumstances of the accident?

Your insurers may believe that you have prejudiced their position by admitting liability and removed their chance of submitting a defence of liability.

This is likely to be a breach of the T&C's

The t&C's still have to be reasonable and if it's obvious who is at fault I would argue it would be unreasonable in a legal sense for them to enforce it.  If it is a potential crash for cash, then things would be stickier, but I would be suggesting to FOS that it would be illogical not to accept that one is at fault when it is obvious.

I agree, that on the face of it the insurers don't appear to have been "reasonable", but then they're hardly Aviva!!

What you might expect from one of the major insurers seems very different to what's happened here.

The major insurers are just as tricky/unreasonable as the not-so-major insurers, IME. Particularly Aviva, who only started to behave reasonably once we referred them to the Ombudsman.

That may be your experience.  But the larger companies do have a reputation they want to uphold, most of the time.

When you are an "insurer of last resort" and your customers are left with little or no choice of who to insure with, reputation is worth much less.

AdrianC

...especially when you're operating from outside the UK, like the insurer in question here.

ariyanxh

born_again said:

ariyanxh said:

The accident occurred in Jan 2018. I admitted liability straight away. I reported it to them myself straight away on the same day on the phone.
Policy was cancelled shortly after as per the email I attached earlier.
Then in March I agreed to pay a small amount monthly to pay off the debt via a debt collection company. I was paying it for over a year then finally end of 2019 I paid off whatever was left from the debt according to the debt collection company.
Aside from the 2 weeks window to return the forms and some emails asking me to pay them what I was owed I received no other correspondence until a few days ago. That’s the entire timeline. 

Never at any point did they follow up on getting the forms from me.

So you paid a debt recovery company who may well have bought the debt. NOT the actual insurance company.

So you must have defaulted on your monthly payments to the Ins co for them to pass it to a debt recover company. Who was this co?

Anyone else think that will not reinstate the policy? As the payments will go to the debt co, not the ins co.

I didn’t default. I came to an agreement with XSDirect to pay off a small amount every month with the insurance collections bureau. 

caprikid1

Sea_Shell said:

olgadapolga said:

Sea_Shell said:

ontheroad1970 said:

Sea_Shell said:

What were the brief circumstances of the accident?

Your insurers may believe that you have prejudiced their position by admitting liability and removed their chance of submitting a defence of liability.

This is likely to be a breach of the T&C's

The t&C's still have to be reasonable and if it's obvious who is at fault I would argue it would be unreasonable in a legal sense for them to enforce it.  If it is a potential crash for cash, then things would be stickier, but I would be suggesting to FOS that it would be illogical not to accept that one is at fault when it is obvious.

I agree, that on the face of it the insurers don't appear to have been "reasonable", but then they're hardly Aviva!!

What you might expect from one of the major insurers seems very different to what's happened here.

The major insurers are just as tricky/unreasonable as the not-so-major insurers, IME. Particularly Aviva, who only started to behave reasonably once we referred them to the Ombudsman.

That may be your experience.  But the larger companies do have a reputation they want to uphold, most of the time.

When you are an "insurer of last resort" and your customers are left with little or no choice of who to insure with, reputation is worth much less.

Direct Line are a bunch of sharks !, Bully lie and blackmail

sheramber

ariyanxh said:

born_again said:

ari

So you paid a debt recovery company who may well have bought the debt. NOT the actual insurance company.

So you must have defaulted on your monthly payments to the Ins co for them to pass it to a debt recover company. Who was this co?

Anyone else think that will not reinstate the policy? As the payments will go to the debt co, not the ins co.

I didn’t default. I came to an agreement with XSDirect to pay off a small amount every month with the insurance collections bureau. 

which is  a debt collection for insurance companies

https://www.insurancecollectionsbureau.co.uk/

Did you continue to pay the monthly payments after your accident?

ariyanxh

sheramber said:

ariyanxh said:

born_again said:

ari

So you paid a debt recovery company who may well have bought the debt. NOT the actual insurance company.

So you must have defaulted on your monthly payments to the Ins co for them to pass it to a debt recover company. Who was this co?

Anyone else think that will not reinstate the policy? As the payments will go to the debt co, not the ins co.

I didn’t default. I came to an agreement with XSDirect to pay off a small amount every month with the insurance collections bureau. 

which is  a debt collection for insurance companies

https://www.insurancecollectionsbureau.co.uk/

Did you continue to pay the monthly payments after your accident?

Yeah I did. I then paid it off completely in one lump sum. 

They responded to my complaint and they are admitting that they received my forms now, but not my V5 and drivers license. I sent a copy of the V5 and license in the same envelope. So they would have definitely got that as well. 

Quite strange they have never mentioned this till now. They are making it up as they go along.