Ask a Law Question, Get an Answer ASAP!
Hello I may assist today.
I have read you message, how can I help
Unfortunately you are one of many, who are stuck in a rut getting insurance money back.
The only bonus in your case is that your insurance is with your bank rather than a broker.
you have given then all the info they need, although there is no need for them to be taking so long. You could contact the and tell them that after 3 months of stalling you want you money. Tell the. You will give them 28 days to settle before you commence legal action To recover your money plus loss interest.
on a slightly different note, you say you were due to travel to Bali. How did you pay for the trip.
When you say NatWest card, what type of card.
Visa credit or debit card
Ok thanks. you could attempt to contact Natwest and look into money back claim on your debit card for what you paid out.
As far as Barclays go, you can just keep chasing them.
you could look at a civil action. For that you could need to send the insurance section a formal “Letter before Action”
In this you set out your claim formally, what the claim is for, how much they owe you and set a time for them to settle in full, again normally 28 days. Advice at the end of the letter, that if full settlement has not been received any the end of the 28days, then county court proceeding will commence against them without further notice.
The first item you must send is the Letter before Action. That you draft yourself. If you fail to send that your case would fail for not following correct protocol.
If they do not settle by your deadline, then you start your county court claim.
You can submit that claim by post or online. I have attached a direct link to the court site for the online form.
If you start formal action, the first stage is called pre action protocol. That is dealt with by the Letter before Action. Then stage 2 is submitting your form tot the court. If you fail to send the letter as stage 1, then stage 2 fails as you did not follow protocol.
There is a small fee when you submit your court application. It is cheaper to submit online.
No further costs after that if you act as Litigant in person. That means you represent yourself.
The you would need to pay for a lawyer to represent you.
No I am an independent lawyer who works with Just Answer.
Here is the direct link to the relevant ombudsman
I would be obliged if you could Click the 5 stars at the top of the webpage (this will not cost any extra). This will tell the website that I have responded to your question, you can, of course, continue to ask any follow up questions free of charge. Although you have already paid, I won’t be paid by Justanswer for my time if there is no rating left for me.
They would not get your money back they can take action against the insurance company for any wrong doing that’s about it.They can take more than 5 months to allocate a case.
Your welcome good luck
Come back if you need further help. I am here to assist.
You can rate my answer now, that would be great. It stays with me, you can come back to it anytime for assistance for free.
after trial JA charge a monthly fee unless you cancel.