Rachel S
Well-Known Member
Morning everyone, hope someone can help with this or have had anything similar happen to them and give me an idea of which way to start heading.
As some of you know we had our landy stolen last year in October. We were insured by Direct Line. After a visit from the assessor etc we settled on a payout , which took quite some weeks, but in the end it was paid. We purchased another Landy and because of the bad service from Direct Line went with Swinton (we lost two years no claims from Direct line because of the theft)
We received a phone call from Swinton saying that our insurance would raise by.. get this £1500 because Direct Line wont release our no claims to them, saying we have none. So, we rang Direct Line who said they couldnt find our account when Swinton rang because my husband (who I married last year) had moved house and their records dont link house moves, but, they will let Swinton know when they ring.
We have just had another call from Swinton saying that Direct Line still wont release the paper work and our insurance will become null and void in the next 7 days if we dont pay the rise in the insurance. Another call to Direct Line this morning has revealed that they wont release the paper as this was a 'Fault Claim' and therefore the insurance is still active and we will have to pay them the monthly payments for the remainder of the term, which is to April. At NO point BEFORE on ANY phone call have direct line told us that we have to pay even if the account is closed!
So in short.. We have our car stolen, we lose 2 years no claim, they pay out, but we have to still keep paying them to be insured even though we dont have the car and if its recovered Direct Line own it!! (we realized at this point that they have indeed been taking money from account)
PLUS we have to pay the upped insurance with Swinton to be able to continue being insured.
Now, Im no law person, but surely this cant be right? and when we asked to speak to a manager we are told that there isnt one available and they will ring us back later.
HELP!
P.S Ive tried a search, on here and on the net and cannot, surprisingly, find anything about this situation.
As some of you know we had our landy stolen last year in October. We were insured by Direct Line. After a visit from the assessor etc we settled on a payout , which took quite some weeks, but in the end it was paid. We purchased another Landy and because of the bad service from Direct Line went with Swinton (we lost two years no claims from Direct line because of the theft)
We received a phone call from Swinton saying that our insurance would raise by.. get this £1500 because Direct Line wont release our no claims to them, saying we have none. So, we rang Direct Line who said they couldnt find our account when Swinton rang because my husband (who I married last year) had moved house and their records dont link house moves, but, they will let Swinton know when they ring.
We have just had another call from Swinton saying that Direct Line still wont release the paper work and our insurance will become null and void in the next 7 days if we dont pay the rise in the insurance. Another call to Direct Line this morning has revealed that they wont release the paper as this was a 'Fault Claim' and therefore the insurance is still active and we will have to pay them the monthly payments for the remainder of the term, which is to April. At NO point BEFORE on ANY phone call have direct line told us that we have to pay even if the account is closed!
So in short.. We have our car stolen, we lose 2 years no claim, they pay out, but we have to still keep paying them to be insured even though we dont have the car and if its recovered Direct Line own it!! (we realized at this point that they have indeed been taking money from account)
PLUS we have to pay the upped insurance with Swinton to be able to continue being insured.
Now, Im no law person, but surely this cant be right? and when we asked to speak to a manager we are told that there isnt one available and they will ring us back later.
HELP!
P.S Ive tried a search, on here and on the net and cannot, surprisingly, find anything about this situation.