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Author Topic: verbale agreement  (Read 2065 times)

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Offline mouldytbags

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verbale agreement
« on: October 16, 2009, 12:34:09 PM »
when i took out my policy with adrian flux for my 4i a few months back,icancelled it after 1 month due to it being sold.i paid the first installment og £100 ish then a month later another £60.2 days later i cancelled.then then wanted another £116 to cover there costs due to cancellation.i never signed any agrrement or the credit agreement.
so does a verbale agreement mean anything in court as thats where its going by the looks of it.



samol

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verbale agreement
« Reply #1 on: October 16, 2009, 22:57:57 PM »
No idea re your question, but used Flux on my special, failedd SVA and exceeded thirty days before getting another, (which it passed). Flux wanted to keep the complete premium, and cancelled my policy due to going over the thirty days. Put it in the hands of the Insurance Ombudsman and got the lot refunded, will definately NEVER use them again, and recommend anybody who will listen NOT to use them either. You may have to pay a couple of quid more with another company, but if you get service so what. Rant over!! Cheers Ray

Offline Dave

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verbale agreement
« Reply #2 on: October 17, 2009, 11:20:39 AM »

So what your saying is they explained it over the phone or what.

Usally a verbal agreement has to be proved in court.

A telephone recording or the tick boxes on a web site are partly proof that you agreed.
Dave

Offline mouldytbags

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verbale agreement
« Reply #3 on: October 19, 2009, 13:49:07 PM »
it was over the phone but i dont recall them saying that if i cancelled it i would have to pay even more.its would have worked out at £250 for a months insurance and the policy was only £600!!!

Offline Dave

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verbale agreement
« Reply #4 on: October 20, 2009, 09:10:25 AM »

Well if they never explained it & you never seen anything in writing how can they claim you knew of the agreement.

If they recorded the call it could actually work in you favour  

You need to get some professional help but does sound like you have a good case to me.

Try writing a good letter to them explaining it all, then if no joy the Ombudsman & so on.
Dave

Offline mouldytbags

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verbale agreement
« Reply #5 on: October 21, 2009, 11:08:33 AM »
i did actually receive the credit agreement but i did not sign it.they said it doesnt matter!!

Offline Dave

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verbale agreement
« Reply #6 on: October 21, 2009, 13:02:24 PM »
Well still write some letters but.........

Does it explain all this in what they sent you?

If so things get harder, you have so many days to cancel the policy once you have read all the crap & you don't agree.

If you don't then you have agreed to it.

I don't know all the ins & outs but a few letters with the replys will give you an idea of where you stand.
« Last Edit: October 21, 2009, 13:03:01 PM by Dave »
Dave

Offline robrs2

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verbale agreement
« Reply #7 on: October 23, 2009, 23:28:57 PM »
Its all in the small print. Most insurance is the same. Thats why the 14day money back came in. To give you time to read all there crap. The only difference is if your in the second year of a policy. You will get more back or have to pay less on the cancellation fee.

You will need to read all the papers they sent.

 

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