How not to cancel house insurance (or thieving bastards).
When we knew where and and when we would be moving we decided to shop around on house insurance (buildings and contents). We found somewhere that would give us what we wanted at a more reasonable price. Though I admit that it would be more accurate to mention that our mortgage adviser did the actual work.
This though was after our current policies ran out (early January). So at the time it seemed sensible to contact the current insurers and tell them that we would be moving but we were not sure when it would be or to where. Could we please have a monthly policy to ensure we are covered?
Certainly sir, that is not a problem. We do a monthly plan for people in your situation, they said.
Excellent, thought I.
When we moved I phoned them on the day to let them know that we were moving and that the policies should be canceled with immediate effect and gave them the new address so that they could confirm the cancellation in writing.
Job done, thought I.
A week or so later we had some redirected post arrive from the old address, amongst these was a policy reminder from the ex insurance company.
How odd, thought I.
So I called them and confirmed that the policies were canceled on the 22nd February and gave them the new address. They said that they would sort this out.
Sorted, thought I.
A few days later I receive a call at work from the insurance company seeking clarification that I want to cancel the insurance and confirming that my address was the old address. No. Wrong. So having given the right address for the third time they confirmed again that they would send out details in the post.
Bollocks, thought I.
Straight after that call, I phoned my bank to cancel the direct debits to ensure that no money could be extracted should they try.
Gotcha, thought I.
Two days later I receive a letter from the payments dept of the insurance company via redirected email concerned that I have canceled my direct debits and I should contact them straight away to sort things out or they will sort things out.
What on earth?, thought I.
So the next working day I phone the payments dept of the insurance company explaining the situation. At which point they said I need to speak to the insurance people directly to sort it out.
How helpful, thought I.
I phone the insurance company and explain all of the above. Don’t worry Mr Osborne we will get it all sorted out, your account will be credited and a letter will be with you soon. Your address is……. THE WRONG ONE. So I corrected them – again.
Useless wankers, thought I.
A few days later mrspao confirms that until I canceled the direct debit that they had been taking money from my account.
Thieving bastards, thought I.
So I phone them today, I explain the situation to one droid who passes me over to another. They try to pass me to the local branch, I explain that I do not want to speak to the local branch as they have already managed to ignore several requests to change my address details etc etc etc. So I ask to speak to the manager, they are on holiday. The managers manager is on a training course. I am starting to lose the will to live. Apparently someone from their investigations department will give me a call.
Useless thieving lying wankers, thought I.
They have seven days. If they do not contact me within seven days I will write them a letter suggesting that they sort themselves out and refund me what they owe. I will indicate in that letter that they have twenty eight days from receipt of the letter (it will be sent recorded delivery so that I will know when they have received it) to pay me what they owe, or I will pursue a civil court action against them.
I do not like utter incompetence, nor do I like liars or thieves.