Bit of a long one so sorry haha
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This Is where is started,
Date: 11/05/2015
Dear Mr Keith Raquet
Following the cancellation of your policy we can confirm there is now an outstanding balance on your account of £97.23
To avoid delay, if we do not hear from you in the next 7 days to arrange payment, we will assume that you wish to pay using the card held on file, and we will arrange for this payment to be taken automatically. For your reference, we will use the card ending in ****************.
Road Traffic Act 1988
Motor Insurance Policy Number 5217706****
Policyholder’s name Mr Keith Raquet
Vehicle registration number Y164 NJN
We confirm that the policy to which the certificate relates has ceased to have effect.
Notes
This letter confirms that your policy is cancelled. It will be deleted from the Motor Insurance Database which is used by the police to enforce the law on insurance and if you use your vehicle without a valid policy, you will be committing an offense.
Yours sincerely
Sarah Langley
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I then informed them that there wouldn't be sufficient funds in our account due to an unforeseen bill that dry raped us and i also asked the question of why i had to pay this sum of money even though i no longer had the vehicle and they came back with:
Date: 18/05/2015
Dear Mr Keith Raquet
Further to our previous letter we have tried to take the balance due of £97.23 from your debit/credit card but it was declined by your card issuer.
This matter is now urgent and requires your immediate attention.
To ensure no further action is taken, you should make payment within the next seven days.
Failure to submit the required sum will result in an additional charge of £35 being added to the debt and the matter being passed to our debt collectors who, if the debt remains unpaid, will add their own charges to the outstanding amount and action may be taken to recover the debt through the County Court.
If this action is taken and Judgement is obtained, details will be recorded on your credit record. In addition to the debt increasing with solicitors’ costs and court fees, this will result in you experiencing difficulties obtaining credit in the future.
We trust this action will not have to be enforced, although we have to advise you of the above as a matter of standard practice.
Please call our customer service team, or if you have access to the internet, the easiest way to pay the amount is via our secure website. Simply log on to www.bikesure.co.uk/customers and then choose ‘Make a Payment’. Alternatively, if you have a smartphone you can scan the QR code on the right hand side to direct you straight to our payments page.
If you do not have a QR code reader, just visit your app store and you can download one for free.
If you have made payment within the last few days, please accept our apologies and ignore this letter.
We trust the above is clear, however, if you do have any further queries, please do not hesitate to contact us.
Yours sincerely
Hayley Sutton
Reason for paying this amount:
Date: 22/05/2015
Dear Mr Raquet
We acknowledge receipt of your recent email and can confirm the following information regarding the cancellation of your policy.
The policy incepted on 28/02/2015 with a total premium of £152.73, which included a £45 policy set up fee and an insurance premium of £107.73 with Markerstudy Insurance. Premium Credit Limited funded this amount.
Please note that the set up fees and optional extras are non-refundable after the first 14 days of the policy.
Premium Credit Limited are an outside company that handle our clients' finance agreements and monthly direct debit payments. They apply a 14% interest on top of the amount financed. Any finance agreement in place is automatically terminated upon cancellation of your policy. Premium Credit Limited then pass any outstanding balance on to us.
At the time of cancellation on 09/05/2015, your insurers issued a pro rata refund of £46.79. After the deduction of our commission and £25 cancellation fee, a refund of £12.97 was available to use against the balance with Premium Credit Limited. This left a short fall of £97.23 payable by you.
Please find attached a copy of our Terms of Business for your reference. This confirms all charges made by us in the event of cancellation. Please refer to your policy booklet for details of the charges made by the insurers.
If you have access to the internet, the easiest way to pay the above balance is via our website www.adrianflux.co.uk. Simply select 'Existing Clients' and then 'Make a Payment'. Alternatively, please contact our customer service team by telephone or forward a cheque or postal order.
We trust the above is clear and should you have any queries please do not hesitate to contact us.
Yours sincerely
Gemma Jobber
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So once our bank account was back in the black i went onto the said website to pay my "debt" but that link didn't work and just came up with "web page unknown" and the call centers where closed so had to get the wife to explain what this QR code scanner thing was and used that. After paying it had a message back on Adrian Flux's website saying "Thank you for your payment" job jobbed
Not as far as they think any way:
Date: 26/05/2015
Dear Mr Raquet
Please read the below carefully, which concerns the balance remaining on your cancelled insurance policy. Our records appear to show we have not received payment for the outstanding balance on file of £92.23. Unfortunately, due to this we have had to pass the above amount to our debt collection agency for recovery, who will contact you directly in due course. Further to our previous correspondence we can confirm that the amount outstanding to us has been reduced as your insurers have issued a further refund following the cancellation of your policy. It may be possible to withdraw the balance from the debt collection agency and avoid the additional fees that they will charge, subject to full payment being made to us within the next seven days. If the debt remains unpaid, action may be taken to recover the debt through the County Courts, which may affect your future credit rating. We trust the above is clear, should you have any further questions then please do not hesitate to contact ourselves.
Yours sincerely
Donna Benefer
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So, after a nice chat to a lovely lass called Holly this morning she manages to find out that there was a "technical error" with the website and the payment didn't go through, so we done it over the phone, no debt collectors or nowt happening now