MCE wants to sue my arse

[notbike]

So a while ago I made a thread about the insurance company scam artists at MCE taking £50 out of my account on 1st October for insurance on my R125 when I'd sold it two weeks before and called them to cancel on the 19th September and they'd confirmed I'd have no more payments coming out.

I got refunded through my bank and called MCE up a couple of times and explained myself over and over as you do, and apparently it was all okay and dealt with (despite at one point the dickhead on the phone trying to tell me to prove I sold the bike which tbh I do have proof of.)

Anyway, after no mention of a cancellation fee, they've now come up with the idea that I owe them something like £63 because I didn't pay a cancellation fee at the time.

If I don't pay them they're going to give me a court summons apparently within 3 days. I'm about to call them up and give them an earful to see what I can get done but.. Wtf are these dickheads playing at? Do I have a leg to stand on?

[Dan100tdi]

Tell them to go fuck themselves, record phone converstaion then post on here

[wr6133]

I'd wait for summons and go to court with my proof, they probably count on you not appearing and the judgement going in their favour due to that.

If it does go in your favour at court be sure to pursue them for any and every cost incurred by yourself from the start of the entire fiasco. Maybe keep a record of everything that occurs to and send it around the biking press see if anyone wants to publish it.

[CaNsA]

[turningCircle]

Is there a cancellation fee mentioned in the contract? I'm not sure that a judge will look very kindly on the insurance company for jumping straight into court action. That said, if the cancellation fee is mentioned clearly in the terms and you didn't pay it, you should pay it and have done with it.

On a side note, they do sound like a bunch of aggressive twonks.

[notbike]

Yeah I'm up for court. Never done it before, but pretty sure they're the ones who fucked up and not me. It doesn't seem like a difficult case to argue, I mean they made the error and charged me an extra month's insurance when I'd cancelled half way through and sold my vehicle (I have proof I sold it).

Although I'd definitely go to court, it sounds like a pain in the arse to me so how likely are they to drop it when I start yelling down the phone to them?

I'm not backing down, arseholes trying to tell me it'll affect my credit pfft.

[CaNsA]

[notbike]

[wr6133]

If it's a debt agency I wouldn't phone them. The court shit may just be them bumping their gums, by phoning them you confirm you exist and at the address they sent the letter to so it will just put you on their radar.

[notbike]

[doggone]

Before going further you need to look at the two elements.
They told you there would be no more (monthly) charges and confirmed the policy was cancelled early.
I would be surprised if they don't have a clearly stated early cancellation charge, which you agreed to when taking it out.
Most of them do this now; you will have to pay it.

It stinks, and the cancellation charge can be more than not telling them anything and paying the last instalments.
However they do have set up costs for the policy and if someone agrees to a year then cancels after a couple of months their costs might be more than they got back - you can see why they need to think about this.

If you go to court and lose, they will have you for costs too.
If the court case threat comes to nothing you might still be credit blacklisted which can cause problems for years even with entirely unrelated matters.

[wr6133]

[MC]

If they didn't mention a cancellation fee, my attitude would be tough $hit, although I'm not sure if that's a legal defence.

Do you have anything in writing? Did they send you anything saying your policy was cancelled?

MCE do normally charge a cancellation fee, so they've realised they cocked up, and are trying to scare you into paying.
____________________
Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[notbike]

They didn't send me anything back after I sent the declaration off to them. So no, nothing in writing.

Lol ffs I don't want blacklisted credit cause of this bollocks.

[Copycat73]

[trevor saxe-coburg-gotha]

[iooi]

[Just_James]

[Wave2k]

I've had nothing but trouble from mce myself .
____________________
Ducati 1299 Panigale
2009 Corvette C6 z51
RS125->CBR400->RXS100->GSXR750K2->Ducati749S->CBR600RR5->TL1000R->DRz400->RSVR1000->Honda VTR SP1->CBR400->GSXR1000K6->Honda H100->CBR600RR3->Ducati1299

[monkeybiker]

Just tell them if they don't stop picking on you your gonna go down there office and throw a massive wobbler of epic proportions

They''ll be whirlwind punches and sorts of scary stuff coming there way.

[Clutchy]

Pay the money, if it went to court, £20 says you lose.
____________________
Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[notbike]

So I've got 3 2 options I've been thinking about pursuing.

1. Call them up, thus acknowledging the alleged debt, and tell them I'm not paying them because they screwed up and that I'll see them in court. (In an attempt to avoid court and get the debt dropped)

2. Ignore until it goes away, then go to court over it, only evidence I have is the thing from the DVLA saying I'm no longer the registered keeper of my old bike, and that they told me my policy was cancelled on the 19th of September with no cancellation fee.

3. Pay £63 for no reason.

Wat do bcf

[Copycat73]

insurance companies have an over seein authority ..
the name escapes me but you`ll find it on the documentation they sent you.
when I got charged off a broker I rang the authority asked for advice..
followed said advice and my £20 fee was waved..
was levied cos of auto re-new but had e-mailed tellin not to..
it must be said I did this much earlier inproceedings
____________________
Whatever I post I have no citation and no intention of providing one..
caveat emptor

[iooi]

[Tamsin]

Raise a written complaint.

Being an insurance company they are obliged that all of their calls are recorded, not some, not most, ALL - they are also obliged to be factual in the information that they present to you within those calls - i.e if they say something that they shouldn't they then have to deal with the consequences.

Write a complaint, get the calls listened to and if you really did get told there was nothing more to pay then you will have no worries