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    • Crbamford1
    • By Crbamford1 12th Mar 18, 12:13 AM
    • 3Posts
    • 0Thanks
    Boiler cover problems....
    • #1
    • 12th Mar 18, 12:13 AM
    Boiler cover problems.... 12th Mar 18 at 12:13 AM
    I'm needing some advice....

    My partner and her ex husband split around 5 years ago. All the bills came out of her bank account including a boiler cover policy. When they split she cancelled everything as she moved out of the house but accidentally overlooked this direct debit.

    A couple of weeks ago we had a knock at our door from the ex husbands new partner with a package that she thought had just been sent to the wrong address. It contained 2 mini fan heaters. When my partner phoned the company to question why, we found out that her ex husband has had several boiler repairs done at their old house under the policy that was overlooked. We had been paying it for x number of years (completely our fault for not noticing) and he was claiming for his boiler repairs through it.

    She has asked for transcripts of calls and logs etc but the company are declining these as they say the account was a joint account, but my partner is adamant the account was set up solely in her name, and the mini heaters that came we solely addressed to her making me believe this to be true.

    As annoyed as I am that we overlooked the direct debit for so long, I am even more annoyed that the ex has claimed all this knowing full well he wasn't paying for it. I think there may be more to this and believe there to be some sort of fraud.

    I just want to know is this worth trying to build a case to take to a small claims court?

Page 1
    • scd3scd4
    • By scd3scd4 12th Mar 18, 2:19 AM
    • 832 Posts
    • 701 Thanks
    • #2
    • 12th Mar 18, 2:19 AM
    • #2
    • 12th Mar 18, 2:19 AM
    If he had claimed nothing but you were still paying................would that "feel" better??
    • unholyangel
    • By unholyangel 12th Mar 18, 2:54 AM
    • 12,289 Posts
    • 9,629 Thanks
    • #3
    • 12th Mar 18, 2:54 AM
    • #3
    • 12th Mar 18, 2:54 AM
    It was a joint policy and the repairs show he was obviously still aware of it even if his ex was not. However, it is possible he wasnt aware ex was paying for it.

    How did she cancel the direct debits? Has she checked with her bank whether its possible new instructions were set up? Unless she has an extraordinary amount of direct debits set up, I'm struggling to understand how she'd overlook one.

    I presume this hasn't been broached with the ex yet? How much in total?
    Money doesn't solve creates it.
    • Tom99
    • By Tom99 12th Mar 18, 3:06 AM
    • 2,070 Posts
    • 1,393 Thanks
    • #4
    • 12th Mar 18, 3:06 AM
    • #4
    • 12th Mar 18, 3:06 AM
    You have been paying for a policy in your name and a claim has been made so I don't see why you are due any sort of refund from the insurance co.
    You could ask your ex for a refund but they might say its your own fault for not cancelling the policy.
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