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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10915
Experience:  Solicitor with 5+ years experience
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A few months ago I renewed my insurance with Bewiser, but

Customer Question

Hi, so a few months ago I renewed my insurance with Bewiser, but when i talked to them before we renewed it,we planned on selling our car so we didn't need to insure it as it was off road, however the women convinced us to renew it and said there won't be any problems with cancellation whenever it is. When we missed one payment they cancelled the insurance and we found another one. A few moths later, i got a letter from ICB saying i have to pay £1058. When I asked them why they sent me this email :
Dear Mrs Dulic-Smit,
Thank you for your email.
Our records show that your policy cancelled due to non payment of your monthly direct debit.
Please see below a breakdown of the time you were insured -
The return premium received from your Insurance Underwriter back to ourselves as a broker was £918.8, from this value we retain the insurers commission which leaves a balance of £817.62. From this figure we then retain our cancellation charge of £75.00, which leaves a balance of £742.62 which would have been returned to you had the policy been paid in full at inception. However as your insurance policy was paid over monthly instalments, we then deduct the total amount outstanding due on your direct debit, which was £1557.07 at the time of the cancellation, this then leaves an outstanding balance of £814.44 due to pay.
Following the cancellation of your policy, we attempted to contact you on a number of occasions but to no avail. As such, your file was passed to the Insurance Collections Bureau who add further charges to the balance due.
To discuss your payments, please contact ICB on 01707 566 055.'
I asked a few other insurance companies and they said that if there wasn't any claims on the account, there should not be any other fees. Because i didn't want to pay, the ICB gave the debt to another firm which wants to sue me now because of that.
I understand that I would have to pay that one montly payment I missed and maybe a small cancellation fee which would add up to around £150 NOT £1058.
Is there a way I could reduce this number or any other way to do anything??
Thanks in advance
Submitted: 4 months ago.
Category: Law
Expert:  Ash replied 4 months ago.

Hello my name is ***** ***** I will help you.

Have you made a formal written complaint please?

Alex

Customer: replied 4 months ago.
Sorry but i cant affort to pay £44 at this moment so please let's just continue vie text.
I sent them an email asking why is this fee so high and also why is there a fee at all when the woman told me there won't be any problems, they however denied that they talked to me at all but talked to my husband which they did once but i did talk to them a couple of time and also they sent me an email which i quoted in the previous mail where they 'explained' the fees but i dont understand that. What can i do?
Expert:  Ash replied 4 months ago.

You need to write and make a formal complaint to the insurance company

They will investigate this for you. If they do not find for you then you can complain to the Financial Ombudsman.

They offer a free, independent service and can investigate your complaint against the insurance company for free.

Their website is: www.financial-ombudsman.org.uk

Can I clarify anything for you about this today ?

Alex

Expert:  Ash replied 4 months ago.

If this answers your question could I invite you rate my answer 3, 4 or 5 starts before you leave today.

I am only paid for my work on this question if you rate my answer, using the star system at the top of the screen. Please do not forget! Thank you.

Please bookmark my profile if you wish for future help: http://www.justanswer.co.uk/law/expert-alexwatts/

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