FabSwingers.com forum: 1st central insurance con artists

By *b couple OP Couple
over a year ago

southampton

Well. I've just had my car impounded!

All because some idiot at the company cancelled my insurance instead of changing the payment date like I requested. Now the police have taken my car. Saying I have no insurance. I was confused so called my insurers and they told me it was cancelled 2 weeks ago!!!!

I requested a change of fucking date the payments left my account. Cheeky fuckers still took payments for this month is well. So I've paid this months yet they cancel it!!!!!!

Now I have to attend court and get 3 points and likely a fine!!!

As you can guess I'm absolutely bursting with anger!!!

And the way the police spoke to me. Had it been anyone else I would of smacked him one.

He said I know ur lying, your kind are always driving uninsured cars!!

My response::

Wtf do u mean my kind !

Police: street thugs, do you have and illegal substances in the car?

Me: I'm almost 30 yrs old. Work for a living and Im clearly in a suit. Not jogging pants! And what da fuck. No know drugs

Police: don't get smart

Me: racist prick!

Police: do u want me to nick you?

Me: for what ?

Police: affray and using offensive language!

Me: that's bullshit. I'm not the one being abusive. !

They then cuffed me and put me in the back of the car until my car was towed away then let me go. !!!

This is why most black people don't like the police, because you pick on us and sterotype all young black men as criminals and thugs.

Reply privately

Reply in forum

Reply +quote

By *nnyMan
over a year ago

Glasgow

You blew any hope you had at 'racist prick'.

Reply privately

Reply in forum

Reply +quote

By *uperock99Man
over a year ago

Milton Keynes

They must of emailed you to tell you wern't insured or insured and your duty to check before driving

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

The insurance company will have a recording of your conversation where you asked for the date change and not policy ,

You should be able to claim from the insurance company for any loss or damages as the recording will prove your required intentions

Reply privately

Reply in forum

Reply +quote

By *b couple OP Couple
over a year ago

southampton

You would think they would of sent an email or something. But nothing. I got a confirmation of change of date email that was it.

Sorry but once I've paid and seen money leave my account and go to 1st central I assumed I was insured as I'm paying for it.

Now insurance are telling me they have no record of my call. ??? So how did they cancel it and change the date at the same time!

Just googled the company and it seems a very common thing. I've seen 4 others with the exact same issues.

Reply privately

Reply in forum

Reply +quote

By *iamondsmiles.Woman
over a year ago

little house on the praire

"You would think they would of sent an email or something. But nothing. I got a confirmation of change of date email that was it.

Sorry but once I've paid and seen money leave my account and go to 1st central I assumed I was insured as I'm paying for it.

Now insurance are telling me they have no record of my call. ??? So how did they cancel it and change the date at the same time!

Just googled the company and it seems a very common thing. I've seen 4 others with the exact same issues. "
get a profession body to look into it for you and if others have had the same problem get together. Don't think you did yourself any favours with the copper though

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Not 100% on the legals, but as it financially regulated I'am sure they must record and retain all calls

calls

That said though if the cancel the contract they must have a record of cancel being requested, it's a signed contract at the end of the day, each party has an obligation to it

I would not accept those points etc, get to CAB or better yet a solicitor and fight it,

Reply privately

Reply in forum

Reply +quote

By *icky999Man
over a year ago

warrington

be the stereotype you can be

Reply privately

Reply in forum

Reply +quote

By *ngieandMrManCouple
over a year ago

hereford

If you can prove payment then chances are you might be able to prove the insurance company was in error. You should also be able to provide written proof of insurance, a copy of the policy and the insurance cover note.

That said it is your responsibility to make sure you have valid insurance in place and from what you have said it seems that you were not actually insured at the time you were stopped.

You might try getting in touch with the Insurance Ombudsman and you may find you bank might be of some help such as confirming your payments, and or proof that you had the funds available in your account at the time that the insurance company didn't take a payment.

I'm totally with you on the anger factor, the police often leave a lot to be desired. However, one thing you can be certain of, being aggressive, rude or insulting absolutely will NOT help your case no matter how justified you think you are. Be nice, be calm, and stick strictly to the facts.

You should also complain to the officer's boss and log a complaint with the Police Complaints Commission and be sure to be VERY apologetic regarding your reaction to the officer while explaining his unacceptable attitude.

Best of luck with it, I'd be very interested to know how it turns out.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I've had problems with this company before. They are not good at all and cost me a years no claims bonus. I woukd not touch them again. To the op, get a solicitor you have a case against the insurance company as long as you can prove they took the payment. They can't cancel your insurance without good reason and they must inform you 7 days before doing so and it must be in writing they have a message system on there website that you have to visit to read any letters they mail you. Bit they do email you to say it's there.

Reply privately

Reply in forum

Reply +quote

By *icksfocusMan
over a year ago

Pontefract

hate to be the bearer of bad news but no insurance is 8 points not 3 and whatever your insurance was before it will double because of the no insurance and that's for 5 years

Reply privately

Reply in forum

Reply +quote

By *ophieslutTV/TS
over a year ago

Central

I'd write recorded delivery today to the insurance company stating your perspective's points. Ask for all evidence by return and notify that you will seek damages.

I'd also apologise to the cop for your insult. If you want to complain about his conduct, you could do this later on.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"You would think they would of sent an email or something. But nothing. I got a confirmation of change of date email that was it.

Sorry but once I've paid and seen money leave my account and go to 1st central I assumed I was insured as I'm paying for it.

The call you made to them to change the details will be on your call list! Don't delete it

Now insurance are telling me they have no record of my call. ??? So how did they cancel it and change the date at the same time!

Just googled the company and it seems a very common thing. I've seen 4 others with the exact same issues. "

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"If you can prove payment then chances are you might be able to prove the insurance company was in error. You should also be able to provide written proof of insurance, a copy of the policy and the insurance cover note.

That said it is your responsibility to make sure you have valid insurance in place and from what you have said it seems that you were not actually insured at the time you were stopped.

Best of luck with it, I'd be very interested to know how it turns out. "

This

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

You call him a racist prick, and sound like you where angry and shouting load of bollocks at the police. How would you react to the same. You say if it had been anyone else you would have hit them! Sounds to me like they were justified to arrest you.

As for the insurance if you have proof it has been paid then you wont get points from the courts or a fine.

Reply privately

Reply in forum

Reply +quote

By *imply_SensualMan
over a year ago

warrington

"You would think they would of sent an email or something. But nothing. I got a confirmation of change of date email that was it.

Sorry but once I've paid and seen money leave my account and go to 1st central I assumed I was insured as I'm paying for it.

Now insurance are telling me they have no record of my call. ??? So how did they cancel it and change the date at the same time!

Just googled the company and it seems a very common thing. I've seen 4 others with the exact same issues. "

You have a good starting point if you have the e-mail referring to the change of date request. If that refers to a conversation you had on the date you say you made the call, then go back to them asking for the evidence of cancellation request. But make the request in the form of a complaint.

As it stands, if a) they have confirmed your change of date, b) they have taken payment on the new date and c) have no evidence to say you requested cancellation - then the evidence thus far is in your favour (based on what we can see here) - the attitude towards the cop is a different matter.

If the insurance company cannot satisfy your request, then go to the Ombudsman, they will only deal with cases once the insurance has had an opportunity to respond.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

[Removed by poster at 21/09/15 14:00:59]

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

your insurance can actually cancel your policy at any time

I had it with my pet insurance

slightly different situation I know

i had been paying it for four years, every month a payment has gone out the bank, recently my dog was diagnosed with epilepsy, paid for all the test etc put a claim in and got a letter back saying they had canceled my policy

called them up and they gave me a shit story about it not being paid upto date, I said it was I had my bank statements infront of me but they still wouldn't pay out, I called up ombudsman and was that any insurance has the legal rights to cancel your policy at any time

so even if they cocked up and canceled instead of changed date there's nothing you can do really unless they are willing to cooperate

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

was told that*

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

They can't cancel it and not inform you. Car insurance is a legal requirement and they have to play by rules. Pet insurance is a choice.

Reply privately

Reply in forum

Reply +quote

By *errygTV/TS
over a year ago

denton

paperwork is vital in court, get copy of bank statement to show all insurance payments, imo if they still take money then its not been cancelled, also as another said on here onbusman get them in on it as well

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"paperwork is vital in court, get copy of bank statement to show all insurance payments, imo if they still take money then its not been cancelled, also as another said on here onbusman get them in on it as well"

Reply privately

Reply in forum

Reply +quote

By *ust RachelTV/TS
over a year ago

Horsham

"hate to be the bearer of bad news but no insurance is 8 points not 3 and whatever your insurance was before it will double because of the no insurance and that's for 5 years "

I got done for no insurance, my fault it had out on the day I got pulled. I got 6 points and a £180 fine in court.

Reply privately

Reply in forum

Reply +quote

By *ngieandMrManCouple
over a year ago

hereford

"your insurance can actually cancel your policy at any time

I had it with my pet insurance

slightly different situation I know

so even if they cocked up and canceled instead of changed date there's nothing you can do really unless they are willing to cooperate "

An old friend of mine had PPI on a mortgage. A serious accident at work meant he couldn't work for an extended period of time. Put simply, the insurance company said, "Here's your premium back, now fuck off".

It is correct that insurance companies are at liberty to cancel policies and are not obliged to payout except for things like vehicle insurance. Even if the policy is fraudulent in respect of driver disclosures, vehicle modifications, they still have to honor third party risks.

Reply privately

Reply in forum

Reply +quote

By *rightonsteveMan
over a year ago

Brighton - even Hove!

"You blew any hope you had at 'racist prick'."
and saying 'what da fuck?' I would have said 'I'm sorry?' And then explained the problem. Fear not, good OP, a goodly brief will get you off

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Let's see if I've grasped this correctly.

Technically you have no insurance, so are breaking the law.

Technically you are in the wrong.

The policeman is there to uphold the law and you were breaking it. It's his job to stop criminals and arrest them if he can.

While his attitude may well have been below what we'd all like to see, I doubt if calling him a racist pick helped your cause.

You say you're nearly 30? Be it, take some responsibility and stop acting like a 15 year old chav.

Your attitude may well have aggravated the situation and made it worse.

It's also a crime to be offensive in a public place and to insult a policeman.

Three strikes I'm afraid.....

I was in the same situation as you a few years ago. 4 points on my licence.

Reply privately

Reply in forum

Reply +quote

By *artytwoCouple
over a year ago

Wolverhampton

Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Reply privately

Reply in forum

Reply +quote

By *ittle_brat_evie!!Woman
over a year ago

evesham

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'"

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so.

Reply privately

Reply in forum

Reply +quote

By *artytwoCouple
over a year ago

Wolverhampton

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so. "

No, fuck them. Don't tell them anything you needn't.

apart from this:

"You do not have my permission to use any of my details for marketing or any other purpose. You may not pass any of my details or information to any other company or institution, do you understand this?"

Not that it will make any difference of course lol.

Reply privately

Reply in forum

Reply +quote

By *ittle_brat_evie!!Woman
over a year ago

evesham

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so.

No, fuck them. Don't tell them anything you needn't.

apart from this:

Not that it will make any sense difference of course lol."

Unfortunately it's the law so if you don't and you try to use that recording as evidence for anything it will be useless. They have to tell you the call is recorded at the start of the call so you have to as well.

Reply privately

Reply in forum

Reply +quote

By *aneandpaulCouple
over a year ago

cleveleys

Sounds like your playing that card i am black and the police are picking on me

Reply privately

Reply in forum

Reply +quote

By *errygTV/TS
over a year ago

denton

also be aware of any small print, if you have any non motoring conviction this bit is usually about page 27 of booklet so not always read, they could bring that one up,

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Ask Santa for a bike

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Not suprised he has booked you then, hardly his fault the insurance made a balls up and playing the race card?? Well you my friend are a dick, not everyone has a problem with people being black. I find nowadays that more black people seem to have problems with them being black, rather than others around them, as for asking if you have substances in the car, probably because youre driving around with no insurance, which you would have had an email and a letter both to confirm.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Sounds like your playing that card i am black and the police are picking on me"

Definetly

Reply privately

Reply in forum

Reply +quote

By *errygTV/TS
over a year ago

denton

ive watched these police prog on tv, they pulled people with no insurance and found them also doing other criminal acts, how stupid of them the anpr cam gets you, the OP firmly thought he had insurance, so when stopped the dibbel assumed he maybe was up to other activities

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"ive watched these police prog on tv, they pulled people with no insurance and found them also doing other criminal acts, how stupid of them the anpr cam gets you, the OP firmly thought he had insurance, so when stopped the dibbel assumed he maybe was up to other activities"

They will test you, see if you rise to it, mention other activities see if you get nervous,

Stay calm, if after a reasonable time they don't chill with you swap to one word simple and short as possible answers

But don't lose your temper and confront, now matter how arsy they get,

Pursuing the police has been mentioned but I wouldn't waste my time and concentrate on getting the points overturnedz

Put it down to roadside duress and be remorseful and apologetic about the interaction with the officer

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I watched a cop programme that did the same thing to a woman and kids, impounded the car as it said she didn't have insurance, turns out she did and the insurance company had written the Registration number wrong by one letter. I suppose that means we should all double check what they are doing or sending us.

Another person had his insurance cancelled by E-mail by an online only company because he hadn't sent his no claims bonus. The second mail he received five minutes after the first was a copy of his no claims bonus for him to use somewhere else. The company only had E-mail to contact them on and they could take up to a week to answer a query so he was stuffed for 5 days waiting for them to answer and sort it out.

I wonder if it is the same firm as those two unrelated people, either way even though their insurance always comes up the cheapest, I wouldn't buy anything from them.

Hopefully OP once you produce your evidence that you didn't cancel your insurance the courts will throw it out, but I don't think you did yourself any favours with the police.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Sounds like your playing that card i am black and the police are picking on me

Definetly"

"He said I know ur lying, your kind are always driving uninsured cars!!"

How would people react if they saw a policemen say this on video?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Sounds like your playing that card i am black and the police are picking on me

Definetly

"He said I know ur lying, your kind are always driving uninsured cars!!"

How would people react if they saw a policemen say this on video? "

We only have the OP's version of events.

Reply privately

Reply in forum

Reply +quote

By *unLondonLadMan
over a year ago

Camberley/London

"I watched a cop programme that did the same thing to a woman and kids, impounded the car as it said she didn't have insurance, turns out she did and the insurance company had written the Registration number wrong by one letter. I suppose that means we should all double check what they are doing or sending us.

I wonder if it is the same firm as those two unrelated people, either way even though their insurance always comes up the cheapest, I wouldn't buy anything from them.

Hopefully OP once you produce your evidence that you didn't cancel your insurance the courts will throw it out, but I don't think you did yourself any favours with the police."

You would think evidence would be enough but often isn't. I had an almost identical run in with the police 4 years ago, was accused of many things because my car showed up uninsured. I was able to prove in court that my insurance had been cancelled due to a mix up in documents on the very same day I was pulled over, and that there was no way for me to know they had cancelled it as they had only sent the letter off that same day. However, I was still given the points and a fine because according to the judge I should have checked on the motor insurance database before I left the house. So to reiterate, even though I didn't do anything wrong and was able to provide evidence to this end, I was still prosecuted and told I should check my insurance validity everyday before I leave

of course the police aren't racist. It's just that only us ethnic minorities are ever in the wrong

Reply privately

Reply in forum

Reply +quote

By *taryscorpCouple
over a year ago

boston

I got stop about 2 years ago but didn't get done my insurance company had mixed 2 numbers up on my number plate I went in to see the officer with the insurance papers and he seen the cock up not me I had been driving like that for about 6 months guess I was just lucky

Reply privately

Reply in forum

Reply +quote

By *icky999Man
over a year ago

warrington

tell me more about your no naming and shaming policy?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

^^^^^^

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

As Ali G said "Is it coz I is black?"

No not really! Its because you didnt have insurance and them called them names and swore at them.

Reply privately

Reply in forum

Reply +quote

By *artytwoCouple
over a year ago

Wolverhampton

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so.

No, fuck them. Don't tell them anything you needn't.

apart from this:

Not that it will make any sense difference of course lol.

You don't 'have to' do anything. You can record what you want when you want. This is the kind of misguided propaganda crap that is used to keep us plebs firmly in our place when dealing with insurance parasites.

For example; on the 15th of July 2013 at 10:33 your agent in customer service, Muhammed, told me that I had comprehensive cover.............etc

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Sounds like your playing that card i am black and the police are picking on me

Definetly

"He said I know ur lying, your kind are always driving uninsured cars!!"

How would people react if they saw a policemen say this on video?

We only have the OP's version of events."

99.9% of the time we only have the victims version of events in these circumstances.

I am not saying that I agree with the OPs reaction, i'm just asking the simple question of how you or others would react if you knew the policeman had said this?

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"Sounds like your playing that card i am black and the police are picking on me

Definetly

"He said I know ur lying, your kind are always driving uninsured cars!!"

How would people react if they saw a policemen say this on video?

We only have the OP's version of events.

99.9% of the time we only have the victims version of events in these circumstances.

I am not saying that I agree with the OPs reaction, i'm just asking the simple question of how you or others would react if you knew the policeman had said this?"

I wouldn't have been amused, but I wouldn't have reacted the same way as the OP says he did...there are better ways of dealing with things.

Reply privately

Reply in forum

Reply +quote

By *ittle_brat_evie!!Woman
over a year ago

evesham

"Sounds like your playing that card i am black and the police are picking on me

Definetly

"He said I know ur lying, your kind are always driving uninsured cars!!"

How would people react if they saw a policemen say this on video?

We only have the OP's version of events.

99.9% of the time we only have the victims version of events in these circumstances.

I am not saying that I agree with the OPs reaction, i'm just asking the simple question of how you or others would react if you knew the policeman had said this?"

But there is more to the op than colour. He was an uninsured driver, that's a type, he was driving a specific type of car, that's a type he was a stroppy guy in a suit who clearly thought he was above questioning, that's a type....yet he jumped to race.

Reply privately

Reply in forum

Reply +quote

By *ittle_brat_evie!!Woman
over a year ago

evesham

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so.

No, fuck them. Don't tell them anything you needn't.

apart from this:

Not that it will make any sense difference of course lol.

For example; on the 15th of July 2013 at 10:33 your agent in customer service, Muhammed, told me that I had comprehensive cover.............etc

Yes, you are quite right....all these damn propaganda laws like the data protection act and what not....such a nuisance.

Surely if you expect companies to act within the law and tell you when they are recording you you owe them the same courtesy otherwise you are just as parasitic as the companies you accuse.

I am sure if a company tried to use a recording of you that you did kit consent to being taken to prove you wrong on a point you would kick up a fuss about not following due process.

Reply privately

Reply in forum

Reply +quote

By *artytwoCouple
over a year ago

Wolverhampton

"Insurance companies have only one purpose, to make as much money as possible and pay out as little as they can get away with.

Vehicle insurance is Government Sponsored Extortion nothing less.

Never trust them and if possible record everything said.

Never ever authorise automatic renewals, the bastards will ravage your bank account like a 'pig at a tater'

Just to point out,ofyoi do record your conversation with them you have to tell them at the start of the call that you are doing so.

No, fuck them. Don't tell them anything you needn't.

apart from this:

Not that it will make any sense difference of course lol.

For example; on the 15th of July 2013 at 10:33 your agent in customer service, Muhammed, told me that I had comprehensive cover.............etc

Yes, you are quite right....all these damn propaganda laws like the data protection act and what not....such a nuisance.

Surely if you expect companies to act within the law and tell you when they are recording you you owe them the same courtesy otherwise you are just as parasitic as the companies you accuse.

I am sure if a company tried to use a recording of you that you did kit consent to being taken to prove you wrong on a point you would kick up a fuss about not following due process. "

Rubbish, companies constantly break every rule (RIPA etc)to their advantage and we poor suckers are meant to play by the rules?

Who asks your consent as your email usage, mobile usage, cctv images et al get stored for future refence (aka 'training purposes')

Get real.

Reply privately

Reply in forum

Reply +quote

By *errygTV/TS
over a year ago

denton

I wonder if it is the same firm as those two unrelated people, either way even though their insurance always comes up the cheapest, I wouldn't buy anything from them.

Hopefully OP once you produce your evidence that you didn't cancel your insurance the courts will throw it out, but I don't think you did yourself any favours with the police.

of course the police aren't racist. It's just that only us ethnic minorities are ever in the wrong

"
and i bet the judge checks his insurance daily , sounds to me they was a conviction short that month to fill the quota, most insure and dont check till policy is due

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread