Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Are you saying you are due a refund but that it is not forthcoming please?
no they actually issued me with a refund on this insurance and now are demanding it all back with some on top..
I am just confused as someone else is demanding
Ok - but why did they refund you in the first place?
as i did cancel it and did not proceed with them....
that was within the cooling off period...
Ok - well if they have refunded you then you are entitled to a full refund
I would just write and say you have been refunded.
Then just say it is a matter for them and if they pursue it you will go to the Ombudsman
but 'bedford ins' has now sent creations at me demanding the money back...
But do not be pressured, if you paid and then cancelled they should not have paid the full amount if some was owin
Write and ask them to stop or you will go to the Ombudsman
Can I clarify anything for you about this today please?
had a phonecall today, that actually made me cr...
If they call again just put the phone down or call the Police
Can I clarify anything else?
the woman on the phone was not so pleasant.... and I said that got refunded some for a reason (even if it was a mistake as she claimed) and am not responding to any further demands
with her then threatening me with further charges etc.....
...if dont pay.. Can they do that?
They can try but you can defend it and go to the Ombudsman.
it clearly was not my booboo.... Should I stand my ground? And go directly to obdusman?
sorry for the spelling...
You should write a formal complaint then go to the Ombudsman
As to complaint to Creations Ins or to Bedford ins?
The Company you brought the insurance from
cut out the middle man and approach the 'bedford'?
Whoever you paid
bedford being the provider and creations the website...
dd was set up for bedford....
Whoever you paid.
and the refund came from there...
but creations is demanding money...
Write to both
ok... will write it all again...
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im all good thanks, XXXXX XXXXX creations was driving me potty...
All the best.
feel better and powered up to stand my ground... And not to accept any ..
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