Car Insurance (Need some help with consumer law)
OP - November 26, 2012, 02:57 PM
Right, I decided to renew my car insurance online, after I'd found a cheaper one, I paid the full amount via my card, the payment went through and I received acknowledgment, 5 minutes later I got a call from the company's sales department saying something about confirming the details, I said sure fine.
So, while goes through everything, he said oh the insurance had to go up because, I choose the wrong immobilizer option on my car (I had a better one than the factory fitted one) and I choose factory fitted so apparently my insurance had to go up by £120 from the original I paid, otherwise if I did not pay I would not be insured. So, then I was pissed off I explained to him that my immobilizer is actually better then the one I choose initially, after 10 minutes of trying to get this into his thick head he finally agrees I have a better one, so can't understand why the insurance has gone up, so goes the to manager asks him and comes back and tells me it's due to the post code, i.e. being located in a high-crime area (which was total bull) since actually my house is in the lowest crime area so, then he started fumbling around and could not tell me on what data base he has looked this up on.
So after this point I said, I want my money to be refunded and I do not want to take the insurance he told me there will be a cancellation fee of £84 we then got into another argument that I've not used it he started throwing legal terminology about so I decided I will pay the cancellation (find out whats going on) so after I paid the £84 quid he said he has issued a refund.
So anyway today I got my money back £785 quid from the refund, I called them up to make a complaint and basically the same guy picks up, so I threatened him with legal action (he did not care much) I checked my email and in the first email they sent me it, said they were regulated by the FSA, so then I decided to ramp things up a little.
I asked for his name, the department he worked in, so from then on (I lied to him) and said I was recording the call now, for proof to give to the FSA, at this point he became really defensive and said that as a good-will gesture he will refund the £84 quid. I mean the audacity of this motherfucker was perplexing!
At the time I was happy for getting my refund, so I've left it at that.... Now I am thinking, to get insured with them for the original quoting, and if I have any legal rights to this, since they took the money out of my bank and then pulled a sly one about a technical error.
Anyone know anything about UK business/consumer law?
Topic: Car Insurance (Need some help with consumer law)