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mce cancelling and charges

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blade023
Trackday Trickster



Joined: 09 Oct 2011
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PostPosted: 15:28 - 20 Dec 2011    Post subject: mce cancelling and charges Reply with quote
ok, so I just got this letter with the scary bold "DEBT COLLECTION" title on it, and naturally phoned up MCE to find out what the heck was going on. It turns out a payment didn't go through in November. Apparently they had phoned me and left a message but I've not got any unread messages. I asked them for the number they phoned and it wasn't my number. Not even one i recognise. There were letters too, but this is the first one I've seen about it.

What scares me, is that apparently the insurance was cancelled on the 8th Dec. because of this, and I didn't know about it. I explained all this to them, and I've got to write to them explaining it again to dispute the charges. The debt collection letter I got is for admin and collection, nothing to do with the actual cover itself. Now form what I understood of the call, they could pause the 'debt collection' process and remove the £36 recovery fee, but the £32 cancellation fee still applies apparently.

I'd like to contest the cancellation fee as I wasn't aware the policy had been cancelled in the first place, but where do I stand with all this? What exactly can I do about it, what is likely to happen and what are my legal rights with this whole situation? I'll be looking through as much info as I can find, but if anyone could offer advise or information I'd really appreciate it.

I've had to buy a new policy (went with Carole Nash) as I can't be uninsured on the bike, but I'm not sure if/how that would affect this current predicament. It's already screwed me over as I'm on JSA and I'm now skint. Oh yeah, 5 days till Christmas; merry fucking Christmas MCE you bastards. Middle Finger

I feel like just selling the bike and saying bollocks to it all.
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Sorn: 2003 FZS1000 30k(ish) looking to sell.
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iooi
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Joined: 14 Jan 2007
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PostPosted: 16:02 - 20 Dec 2011    Post subject: Reply with quote
Well 1st thing do you not check your bank statement to ensure that any payments have been made.
I think you will find that its clearly stated that any missed payments will incur charges. And failure to ensure prompt payment will mean your insurance is cancelled.


I hope that when you set up the new insurance that you ticked the box for have you ever had ins cancelled..... Or you could well end up with this cancelled or further charges advised, as the cost will go up.....
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 16:58 - 20 Dec 2011    Post subject: Re: mce cancelling and charges Reply with quote
blade023 wrote:
It turns out a payment didn't go through in November.


And you've only just noticed that you'd run out of money and were getting raped even further into debt by bank charges?

Everything comes down to whether that payment was taken or not. Go and find out.

If the payment was made on time, then tell them to shove it and compensate you.

If it turns out that payment was rejected then I suggest that you suck it up, pay MCE, then tell Carol Nash that you've had insurance cancelled and prepare for another shafting from them.

If you can't afford that then yes, sell the bike. You're on poverty money, a vehicle is a luxury. If you're out in the sticks then see if your local Job Centre can sort you out with a vehicle to get you to interviews and work, some of them do.
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blade023
Trackday Trickster



Joined: 09 Oct 2011
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PostPosted: 17:18 - 20 Dec 2011    Post subject: Re: mce cancelling and charges Reply with quote
Rogerborg wrote:
blade023 wrote:
It turns out a payment didn't go through in November.


And you've only just noticed that you'd run out of money and were getting raped even further into debt by bank charges?

Everything comes down to whether that payment was taken or not. Go and find out.

If the payment was made on time, then tell them to shove it and compensate you.

If it turns out that payment was rejected then I suggest that you suck it up, pay MCE, then tell Carol Nash that you've had insurance cancelled and prepare for another shafting from them.

If you can't afford that then yes, sell the bike. You're on poverty money, a vehicle is a luxury. If you're out in the sticks then see if your local Job Centre can sort you out with a vehicle to get you to interviews and work, some of them do.


There weren't any bank charges, otherwise I would have noticed something was amiss. The payment that didn't go through was just after I set up the policy, and I carefully checked all the figures to make sure I had the funds. Also I can't get into debt on my account as there's no overdraft or any other borrowing facilities.

The most annoying thing is that if I'd have known about a payment not going through I'd have corrected it. I had the funds set aside for the payments; I was careuful to check my balance constantly. If a payment doesn't go through mce would phone up, but they had some random mobile number that I didn't give them. I have my mobile number memorised and I know I gave them the right number.
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Sorn: 2003 FZS1000 30k(ish) looking to sell.
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iooi
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Joined: 14 Jan 2007
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PostPosted: 18:00 - 20 Dec 2011    Post subject: Re: mce cancelling and charges Reply with quote
blade023 wrote:
There weren't any bank charges, otherwise I would have noticed something was amiss. The payment that didn't go through was just after I set up the policy, and I carefully checked all the figures to make sure I had the funds. Also I can't get into debt on my account as there's no overdraft or any other borrowing facilities.


So can we take a step back...

When was the policy set up ?
How was it set up ?
What method was payment due to be taken by ?
When was the payment due ?
What account are they using ?

Time to call bank and ask if they attempted any payments, or set up any DD's.

Just because you don't have a overdraft, does not mean you can't go over your limit.
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blade023
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Joined: 09 Oct 2011
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PostPosted: 18:59 - 20 Dec 2011    Post subject: Re: mce cancelling and charges Reply with quote
iooi wrote:
blade023 wrote:
There weren't any bank charges, otherwise I would have noticed something was amiss. The payment that didn't go through was just after I set up the policy, and I carefully checked all the figures to make sure I had the funds. Also I can't get into debt on my account as there's no overdraft or any other borrowing facilities.


So can we take a step back...

When was the policy set up ?
How was it set up ?
What method was payment due to be taken by ?
When was the payment due ?
What account are they using ?

Time to call bank and ask if they attempted any payments, or set up any DD's.

Just because you don't have a overdraft, does not mean you can't go over your limit.


My account can't go overdrawn. When I set up the policy over the phone in November, I was told the DD had been set up and everything had gone through fine. "What account are they using?" I only have 1 bank account.

The main thing I'm bothered about is this £32 cancellation fee which if I'd canceled the policy is understandable. MCE cancelled it after "phoning and leaving a message." The number they phoned was some random which I never gave them hence I didn't get this message.
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Current: VFR800 2008 13.7k and rising rapidly!
Sorn: 2003 FZS1000 30k(ish) looking to sell.
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iooi
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PostPosted: 19:19 - 20 Dec 2011    Post subject: Reply with quote
Well given they seem to have a wrong tel number, you have to wonder if the bank acc is correct.

Was it set up over the phone ? Where there is scope for miss hearing.

Have you recieved any doc's from MCE. Given that they were taking payment via DD. That means you are paying monthly and as such have entered a credit agreement that requires signing....

Contact your bank, they will be able to confirm if DD has been requested/set up and if any requests were made for funds.

If its not. Then you need to raise a complaint, with MCE and be prepared to take it all the way to FOS.
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blade023
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Joined: 09 Oct 2011
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PostPosted: 19:56 - 20 Dec 2011    Post subject: Reply with quote
Quote:
Well given they seem to have a wrong tel number, you have to wonder if the bank acc is correct.
Well, I normally use my debit card when setting these things up, but I'm not sure so I'll have to double check it all.

Thanks for the help though, I'll have another look at it all tomorrow and see what I can do.

btw iooi, what is that in your avatar picture? It's been bugging me for a while because I can't decide if it's the mouth of a snake or a coffee with frothy milk. The reason it bugs me is one is rather tasty, and the other not so much. Just had to ask.
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Sorn: 2003 FZS1000 30k(ish) looking to sell.
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iooi
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PostPosted: 20:25 - 20 Dec 2011    Post subject: Reply with quote
blade023 wrote:
btw iooi, what is that in your avatar picture? It's been bugging me for a while because I can't decide if it's the mouth of a snake or a coffee with frothy milk. The reason it bugs me is one is rather tasty, and the other not so much. Just had to ask.


Frotthy latte created by a cafe @ Lindisfarne.

Some people look at clouds and try to see pictures. I look at coffee and do the same Laughing
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 20:42 - 20 Dec 2011    Post subject: Reply with quote
Ah, got you. Well, it sounds like you've been properly stitched up by yet another cloth eared phone-mong. Aside, this is why I absolutely insist on typing in all my details myself.

I agree with iooi - get back on to their complaints department and tell them that their choice to employ some prat who can't listen or set up a DD is not your problem, and they need to sort it out.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

Last edited by Rogerborg on 09:47 - 21 Dec 2011; edited 1 time in total
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herulach
World Chat Champion



Joined: 19 Apr 2010
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PostPosted: 22:18 - 20 Dec 2011    Post subject: Reply with quote
The obvious wiggle point here is that they send you a document with all your details on covered in writing saying 'PLEASE TELL US IF ANYTHING IS WRONG ON THIS FORM' If that had the wrong phone number and you didn't mention it then I'd suck it up.

No matter who's error it is if you didn't correct it at that stage I'd be surprised if even the FOS came down on your side.
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Walloper
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PostPosted: 00:39 - 21 Dec 2011    Post subject: Reply with quote
They always send a statement of fact with your docs.
I got a SoF which was for someone on another planet coz it didn't resemble any facts I stated in the application.
Are a bit loose on detail but I have not had any hassle with them since my first policy about a year ago.
I have two bike with them now and will continue.
But you NEED to check what they send to you.
And you need to ensure they send it too.

Banks are cnuts and Insurers are not far behind them.
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blade023
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Joined: 09 Oct 2011
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PostPosted: 18:25 - 21 Dec 2011    Post subject: Reply with quote
Thanks for the replies folks. Looks like I'm going to have to check through everything which is a complete pain in the arse right now. Especially as I've had this stinking cold for the last few days and I was exhausted this morning. Damn man flu. Sick
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Sorn: 2003 FZS1000 30k(ish) looking to sell.
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Walloper
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PostPosted: 23:41 - 21 Dec 2011    Post subject: Reply with quote
blade023 wrote:
Thanks for the replies folks. Looks like I'm going to have to check through everything which is a complete pain in the arse right now. Especially as I've had this stinking cold for the last few days and I was exhausted this morning. Damn man flu. Sick


Lemsip.

Or cut to the chase and neck a half bottle of Black Label.
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Walloper
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PostPosted: 11:28 - 22 Dec 2011    Post subject: Reply with quote
hahadumball wrote:
Hey welcome to mce i had this same letter once Smile

They insured me on a chinese cg replica, they thought it was a moped when they realised they cancled on me and tried to charge me for there mistakes, after ignoring them for around a year they buggerd off.


For FUCK SAKE... Will you learn to spell for Christmas?
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Ellis
Two Stroke Sniffer



Joined: 25 Sep 2011
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PostPosted: 11:24 - 28 Dec 2011    Post subject: Reply with quote
MCE love to get you to ring their expensive phone lines, kick them in the teeth and use this number and ask to be put through:

0800 0932013
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