MCE robbing barstewards!! and legal advice [Archive] - SV650.org

Wideboy

02-07-09, 04:11 PM

not happy today at all :smt067

other week i decided not to continue with MCE insurance choosing to renew my bike insurance else where after a considerably cheaper quote. I was going to do the renewal but found out i have left it to late as it said at the bottom "if you do not contact us by the 19/6/09 the renewal is lost" so i left it. After getting home on Sunday i opened my mail to discover insurance cetrs ect from MCE :confused:....... checked my bank account and no money was missing so i left it.

today i have been in a right sh!te mood as i have not had a bite to eat all day because at lunch time whilst trying to buy lunch i discovered my bank account a considerable amount down and overdrawn and basically rejected, as a result i was a little off with a someone........ so sorry to them ](*,)

get home and do some on-line banking to find out that MCE have taken money from my account without permission :smt013 so im jump on the phone and after 13 mins i get through to someone....... basically he said that its there standard practice that if you do not contact them they will automatically renew it and take money from you account, now seeing as :

A) i did not make any reply to the letter
B) did not give permission to take funds from my account
c) it clearly says at bottom of the letter "if you do not contact us by the 19/6/09 the renewal is lost" and nothing about the renew being done automatically

all of the above screams to me that they have broken the law and basically stolen money from me

now after talking to this bloke he has said i need to send a copy of the renewal letter they sent (lucky due to my laziness i chucked it to one side and not the bin) before they can give me my money back. He also went on that i have to provide a copy of my new insurance papers with the other company, which i questioned as there is no logical reason why i have to and im not particularly happy doing so

now firstly sorry to paws because i know she works for them but this is just a long line of sh!t i've had with MCE, big reason as to i didn't renew was because of all the crap i had from them and the only reason i left the policy run was to get my NCB

wondering if some one could help me coming up with one of those "kick a$$" legal letters as i want compensation or some sort of blood..... actually i would like blood :smt027

and finally now im over-drawn, no food in the house, completely skint, starving and mega bummed out and i don't know what to do :smt090

dirtydog

02-07-09, 04:14 PM

He also went on that i have to provide a copy of my new insurance papers with the other company, which i questioned as there is no logical reason why i have to and im not particularly happy doing so

Why do they want that, I personally would tell them to take a running jump

metalmonkey

02-07-09, 04:18 PM

From my limted understand of all this like this, does insurance not come with a 14 day cooling off period?

So under that is OP not entilted to a full refund under this clause? I would call em back and state this and also call ur bank and explain the situation to them.

Yes I have fecked over before on something simlar to this before, though the amount involved was a lot less, I should have done more about it but for the greift involved meh.

timwilky

02-07-09, 04:44 PM

I am of the opinion that no organisation has the right to deduct money from your account with the express permission of the account holder.

Unfortunately many finance organisations seem to be of the opinion that you have entered into a rolling contract and not a fixed term one, without explicitly advising the policy holder. They therefore feel entitled to renew at their offer fee should you fail to cancel at the end of the policy term.

Generally a renew is far more expensive than a replacement policy, they look to use the policy holders laziness against them.

I always make sure I inform such policy holders in advance of the renewal date of my intention not to renew. you have to be careful about wording or they can assume you are giving notice to cancel a policy. when you are in fact giving notice that you will not renew at the contract end.

Wideboy

02-07-09, 04:49 PM

after he asked for my other insurance company docs and after me questioning it he said something along the lines of "we need to to confirm the fact you have taken out a policy with someone else" to which i did politely replied "feck off" as i see no relevance to why they need to see i have other insurance YOU HAVE STOLEN MY MONEY!!

i tend not to take sh!te for people but managed to keep my cool on the phone not to swear but i did appologise the the bloke saying " i know its not your fault you work for a bunch of robbing ar5ewhipes but you have stolen my money and im now complete shafted" to which he repeated the crap he did in the paragraph above :rolleyes:

i reckon that this isnt the 1st time they've done it to someone and they just expect you to roll over and accept a refund, the only reason i can see them wanting letters ect is so they can stall time and hold on to my money for a while to build up interest or what ever, now this is why i want blood as i see no reason why they should get fat off my money and me sit he starving my ar5e off :smt070

SO I WANT BLOOD!!!!!

Shellywoozle

02-07-09, 04:51 PM

Why would they need to see a copy of the letter, surely they would have this on their system, and why on earth would they want to see another companies policy.

I would ring the bank up and explain the situation asking for an extended over draft of just an over draft to enable you to eat and live.

I would write to MCE and give them 14 days to repay the money including bank charges plus compensation. If they do not do this then the insurance ombudsman is the next step I would say.

I had something similar which I didnt spot coming out my account til 8 mths on. I had pet insurance, didnt renew but they continued to take money as I had a direct debit set up, appartently the bank told me they are allowed to do this ..... suppose the dog was doubly insured. I had to foot the loss, made me look at my bank statements now

Shellywoozle

02-07-09, 04:52 PM

metalmonkey

02-07-09, 04:55 PM

Have not called either place yet and explained it? I would still push it under the 14 day thing, however it may be closed now but there is an insurance omburdsman as well. Give em a call see what they say.

But put it to your bank, money was taken from ur account without permission get them to investigate it.

Its always worth be polite to people as much as possibable it worked out for me today:D

Shellywoozle

02-07-09, 05:01 PM

The ombudsman will say write to them and give them a reasonable a amount of time to rectify and if within that tim they have not sorted it then involve the ombudsman.
I would send a copy of the letter to the ombudsman at the outset.

I have been through ombudsman before, takes time but they do help !

Samurai Penguin

02-07-09, 05:12 PM

http://www.fos.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm

Direct Debit - immediate and full refund, just go into your bank.

Direct debits are now a major part of daily life, with many people using them each month to pay their household bills. The direct debit guarantee is a powerful safeguard for customers. So it’s important that firms make sure their staff understand its provisions.
Unfortunately, many do not. Here are some of the things firms have told customers (incorrectly) when problems have arisen:
‘We don’t operate the direct debit guarantee.’
‘You’ll have to contact the originating company for a refund.’
‘We need a month’s notice to cancel a direct debit.’
‘The guarantee doesn’t apply – because you haven’t suffered a loss.’
If you pay by standing order, it is up to your bank to send the payment. If you pay by direct debit, it is up to the payee’s bank to call for the payment, but you will rightly look to your own bank/building society to ensure the smooth running of any direct debits. Mistakes and errors are covered by the direct debit guarantee.
The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme. It says that:

http://www.fos.org.uk/graphics/markers/square-purple.gif
If there is a change in the amount to be paid or the payment date, the person receiving the payment (the originator) must notify the customer in advance. http://www.fos.org.uk/graphics/markers/square-purple.gif
If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid. http://www.fos.org.uk/graphics/markers/square-purple.gif
Customers can cancel a direct debit at any time by writing to their bank or building society.

Wideboy

02-07-09, 05:36 PM

well im going into the bank tomorrow as i hate doing stuff over of the phone and im going to get them to cancel any more attempts at money and ask them to pursue it, then i will be making another attempt at MCE :smt070

timwilky

02-07-09, 06:40 PM

Don't quote me, but I think one of the big problems with a direct debit is that the account holder cannot easily stop it, they have to instruct the company to stop and also tell the bank. Unlike of course a standing order, which is for a fixed amount/duration.

It is not unknown for DD to still be taken despite instructing the company to cease their service etc.

Bibio

02-07-09, 07:05 PM

After getting home on Sunday i opened my mail to discover insurance cetrs ect from MCE :confused:....... checked my bank account and no money was missing so i left it.

and why did you do this?

personally i would have phoned them up to tell them i was not going to be insuring with them when the renewal letter came threw the door. there are to many insurance company's doing 'roll on' insurance theses days. always better to err on the side of caution when insurance company's are concerned.

northwind

02-07-09, 07:14 PM

Was it a direct debit? If so, then the advice on the indemnities is spot on, you're guaranteed a full and immediate refund from your bank, who will then recover it from MCE. Though sometimes this isn't all that easy to get your bank to do, some will mess you about (drop me a PM if this happens ;) )

Don't quote me, but I think one of the big problems with a direct debit is that the account holder cannot easily stop it, they have to instruct the company to stop and also tell the bank. Unlike of course a standing order, which is for a fixed amount/duration.

Nah, all you have to do is tell your bank and they'll cancel it, you should tell both the bank and the company but just cancelling at the bank stops the whole thing- that triggers a notification that goes back to the originator anyway.

DDs are one of the safest ways to pay, since as well as that there's the indemnity scheme.

Wideboy

02-07-09, 09:21 PM

and why did you do this?

cos its about £1 a min, if so they stitched about £15 quid of me this evening

yorkie_chris

02-07-09, 11:53 PM

I'd be sending the insurance certificate/cover note back to them by recorded delivery with a note saying you require a full refund of all monies taken without your permission, with the polite indication that if this is not complied with for the full amount you will be making a complaint to the insurance ombudsman if this is not made within 14 days of reciept of this letter.
I'd be contacting citizens advice bureau, and the insurance ombudsman for a little help in wording the letter.
Perhaps follow this with a similar phone call and email informing them of this.

Obviously the nugget on the phone knows nothing. They have no right to ask for your next years policy documents, it's well outside their remit, nothing to do with them. Next time if given the same line, request you speak to their supervisor and inform them of their legal right to knowing f**k all of your business!

After this is settled I would be calling "ambulance-chasers-R-us" or someone like that for undue stress and worry caused, bank charges for the overdraft etc.

I hate companies behaving like this and think they deserve being taken to the cleaners big style. At least when someone with an Irish accent and a caravan offers to tarmac your drive you know where you stand...

03-07-09, 07:38 AM

This self renewal is a personal hate of mine. I always make a point of ringing up at least twice befoe renewal date to make sure they are not going to take the money from my account.

Hope you manage to sort it with as little stress as possible :(

Speak to the financial ombudsmen I think it is

Dave20046

03-07-09, 08:09 AM

you can't speak to the insurance ombudsmen unless you have fully comp insurance, with wideboys age and the hunk of crap he rides (:kiss: kidding) I'm guessing he's third party.

I had a palava with aquote insurance, who made assumptions about my policy and basically missold me a policy. When I made them listen to the tapes of the phonecall they said I was too vague, well shouldn't they be asking the right questions? Anyway they were being ****s and despite the whole refund as I hadn't received the correct goods for my money (when I said this to them they said they had so I said 'oh right so I'm insured then?' and they said 'well errr....erm ....one second...no?'). They're a set of *******s. I cancelled it under the cooling off period and they refunded me but retained £80 for 'admin fees'. This was almost a year ago and they still have my money - I just don't have the time to take them to court / deal with the *****s.

moral of the story insurance companies are ****s.

Oh and a tip for the future, whenever you make phonecalls to insurance companies and the like record them. (most mobiles have this function). to keep withing the law you need to notify the person you're talking to though...however I've found at this point about 40% of them hang up on you!

03-07-09, 08:17 AM

you can't speak to the insurance ombudsmen unless you have fully comp insurance, with wideboys age and the hunk of crap he rides (:kiss: kidding) I'm guessing he's third party.

You can complain about anything to the Financial Ombudsman, you defo do not have to be fully comp for them to get involved......Any dispute with any financial servie and they will get involved. I have used them twice in the past once for banking and once for insurance.

Normally as soon as you mention their name the company involved backs down.

http://www.financial-ombudsman.org.uk/default.htm

Dave20046

03-07-09, 08:56 AM

ah cheers, didn't know that .thought you'd typo'd and meant insurance ombud (which do require you to be fully comp).

yorkie_chris

03-07-09, 08:59 AM

The Insurance Ombudsman Service assists in resolving disputes between consumers and participating companies. The organisation chart and information about the Ombudsman and the Board of Directors is provided.

Doesn't mention fully comp there...

But anyway, it's the financial ombudsman who matter, and you don't need any sort of policy, it's any firm providing financial services who are controlled by them.

Dave20046

03-07-09, 09:02 AM

Doesn't mention fully comp there...
I rang up regarding mine and they said they couldn't help me as I wasn't fully comp. He gave me an explanation as to why too but I forget that much. Give 'em a ring.

vardypeeps

03-07-09, 11:49 AM

If I'm honest I've been with them for ages and made a few claims and everything has been fine.
On the other hand that is not on at all. I hate how they think they can just take funds from your account! It's theft!
I would argue why you must send your other insurance documents through. that has nothing to do with the reopayment of YOUR money.

Sir Trev

03-07-09, 12:34 PM

Do you use internet banking? With my bank (Barclays) you can see all of the DD's in force and cancel any there and then on line. You have to AGREE to a DD being set up on your account so can cancel them whenever YOU wish. If you prefer the in-branch service they can do this for you on request (or they have a self service terminal sometimes in the branch). I was stung once like Shelleywoozle and as a result now always delete a DD once the payments have completed, just in case.

Doesn't help in this instance but if you can pay by credit card instead do so. You get protection that way too.

Good luck and keep us posted.

northwind

03-07-09, 05:19 PM

There's no point speaking to the ombudsman until you've exhausted MCE's complaints process, any complaint to the ombudsman before that will be thrown out without being considered- they have no jurisdiction (or desire to get involved) til that happens. Shouldn't need to mind, most insurers will **** about for a while in the hope you go away, because so many people give up.

Wideboy

03-07-09, 05:24 PM

i went up the bank after work and got them to cancel any future attempts at them withdrawing funds (then found out i can do it from home on tinterweb :rolleyes:), found out i have had a massive overdraft charge aswell :smt067

going to chase up MCE again tomorrow morning and push for my refund

I've had a few problems with them they didn't include pillion cover, commuting, that estimated mileage thingy was wrong, when i went to France they accused me of not telling them when i did about a week before i left :rolleyes: ect....... when questioned i was basically accused of lying and i should pay a 40 quid admin charge to get it sorted on all occasions. Even when i got my points i called up to tell them and they wanted to charge me another 40 quid :confused: needless to say i didn't submit my points and told then you feck off

i know admin charges are common but that is just ridiculous.... made with bikers in mind my hairy ar5e

Wideboy

03-07-09, 05:37 PM

also accrued to me that a deposit wasnt taken as the card i used last time had expired, they still did not contact me regarding a deposit tho

Lozzo

03-07-09, 08:52 PM

Contact your bank and ask them to do a transfer the other way. Tell them the score and they'll do this for you. I had similar happen with Co-Op Insurance when I owned a Firestorm - my bank refunded me what they took without my consent.

Wideboy

03-07-09, 09:01 PM

well i was just going to push the 14 day cool off thingy but if i did i would not get back my overdraft charges and after seeing early how much they are im not prepared to bend over and now want them to refund that aswell

how does this bank refund work? bank wasnt very helpful when i was up there earlier as the lady didnt know much

Wideboy

21-07-09, 10:44 AM

update:

letters to and forth ect, upon a closer look it turns out that they haven't renewed my policy but taken out a complete new one all together, different policy numbers, different finance company ect, its like someone else called up and took out a policy with my details :confused:

on Friday the finance company sent me a nice letter telling how angry they where and that i was in arrears because i blocked them from taking more money :confused: this was even after i had written to MCE telling them to feck off, i wrote them back a nice long letter telling them that unless i had suddenly contracted alzheimers (don't think they found that bit funny) i don't remember signing and credit agreement with them or infact taking out this policy, my wallet is sealed and they can get stuffed

whilst out yesterday a message was left on my answer phone from MCE asking me to call, this morning i actually got thro to someone that was helpful and she explained that they still wanted proof that im insured elsewhere before i can be reimbursed, after arguing the point another 5 or so times i got fed up and agreed to send it but i want a guaranty that i will be refunded the money that was taken, my overdraft charges and the finance company to stop chasing me

is it me or does it sound like what they've done is illegal?

MCE = :toss:

fizzwheel

21-07-09, 10:54 AM

she explained that they still wanted proof that im insured elsewhere before i can be reimbursed

Did she say why she wanted that information.

Seems weird, if you're still within the 14 day cooling off period why does it matter to them, what woudl they do if you decided you wanted to cancel your insurance altogether because you've sold the bike...

Wideboy

21-07-09, 11:00 AM

Did she say why she wanted that information.

Seems weird, if you're still within the 14 day cooling off period why does it matter to them, what woudl they do if you decided you wanted to cancel your insurance altogether because you've sold the bike...

the only reason they gave was "so we have proof its insured elsewhere and we can give a refund" :confused:

i to see no reason either, even if i hadn't insured the bike elsewhere and it was just sat in my garage they have still stolen my money :confused:

Lozzo

21-07-09, 11:21 AM

Whether or not you have reinsured with another company is none of their business - your financial dealings are your concern and not theirs. You could quite easily have sold the bike and no longer require insurance, so why they need to see proof is beyond me.

Tell them you'll see them in court unless you receive a refund within 48 hours, then go see your bank and explain to them and see if they can reverse the payment back to your account.

fizzwheel

21-07-09, 11:39 AM

the only reason they gave was "so we have proof its insured elsewhere and we can give a refund" :confused:

IMHO its none of their business, sounds like they are either reading from a script and following procedure to the letter or they are just being awkward because they know they have messed up and dont want to admit it.

You could try pulling the wool over their eyes and say because they took money from your account without your authorisation its left you in financial difficulty and now you have to sell your bike so you want to cancel the insurance altogether and wont be taking out a new policy with another company so are unable to provide the proof of insurance they require.

Owenski

21-07-09, 12:00 PM

not thats its of help to you mate but I've seen it say before that failure to make contact will result in teh renewal been lost reffereing to the quote they offer you ie leave it longer and risk paying more for the same offer. However keep reading and it will also say something along the lines of;
If no contact is made by the time your current policy expires then a new policy will continue in its place to ensure the vehcile remains insured, in this event documents to confirm payments etc will follow in the post.

Like I said its not good news for ya mate, go read all the small print if you cant find it saying anything like that anywhere then :) brilliant string the theiving *******s up. But if it does then dont call in teh suits just yet or you'll be on a loosing case with solicter fees to pay.

Wideboy

21-07-09, 12:07 PM

yeah read it, says it will expire but nothing about then continuing it, sent a copy off to them but they seem to be ignoring the fact that i basically have them bang to rights....... bloke no the phone the first time said it doesn't sound like the letter they usually send out but I've shown them now

Owenski

21-07-09, 12:24 PM

sound :) string em out then.
you did send them a copy of the letter they sent yo and not the original? just thinking you might need to show it to a solicitor.

ps side note, did you ever leave that **** hole you were working at where they wouldnt let you park any where near by?

Wideboy

22-07-09, 11:35 AM

OMFG!! just had a letter drop through the post saying they have acknowledged my instruction to cancel the policy and having processed the appropriate refund and the balance from my insurers stands at £143.87 and i should pay up in 7 days!!! WTF!!

i am on hold, grrrrr fecking pr!cks

bikerchick82

22-07-09, 11:49 AM

MCE did exactly the same thing to me, I cancelled all direct debits beforehand so they didn't actually manage to take any money out though.

It took me nearly three months to get them to accept that I didn't want their insurance and for them to subsequently release my NCB to my new insurance company (bikesure - fricking awesome people and were very patient during this time!)

Keep at them and ring at least twice a day to make a nuisance of yourself, I swore that I would never go back to MCE after this, and I'm making sure that everyone else knows what a set of thieving bastids they are :smt093

Funnily enough, it while all this was going on that my OH told me they'd done exactly the same to him about five/six years ago!

Oh and don't take any crap from the finance company either, tell them to go after MCE for the money as you never entered into any agreement with them!

Wideboy

22-07-09, 11:54 AM

i think we should all rally and demand me a refund!!

Bri w

22-07-09, 12:40 PM

i think we should all rally and demand me a refund!!

I like the idea! For the cost of a stamp everyone could overload their admin dept, "pay Wideboy". Obviously with a bit more detail.

People power telling a big company to go @+#.

gruntygiggles

22-07-09, 02:21 PM

Love what Bikerchick82 says about telling the finance company to go after MCE. It was MCE that arranged that finance, not you. If your letter from MCE did not state that this would be a rolling contract and failure to contact them would confirm your agreement (which you have said it DIDN'T say) then you have no legal obligation to them.

You have to be very careful that your credit record isn't being damaged by this, so go and check the date that you first complained to MCE. Also, check the date that you first wrote a letter to them asking for a full refund.

As soon as 8 weeks have passed from the date of your first letter of complaint, the financial ombudsman will be able to get involved. They will need you to have given MCE that amount of time to resolve the dispute.

Now, IMO, asking you to send details of your new insurance is no different to asking you to send details of one of your credit cards or your rent/mortgage documents. It is an unrelated financial agreement you have entered into that they have no right to question, see or ask for a copy of as it has no relevence to them.
The line, "we need to see it to ensure that you have valid insurance" is laughable. They are not the police or DVLA, they have no authority to ascertain your insurance status outside of their company.

As for MCE as a whole, I know that not everyone will have had a bad experience of them...but they screwed Dan out of £400 last year and were the most difficult company I have ever known anyone have to deal with!

Good luck Gavin and call your CAB and the ombudsman.

Bibio

22-07-09, 02:28 PM

has anyone had a quote from MCE lately? they are laughable.. mine was in the region of £4000... when bikesure quoted me £260...

Spiderman

22-07-09, 02:29 PM

I like the idea! For the cost of a stamp everyone could overload their admin dept, "pay Wideboy". Obviously with a bit more detail.

People power telling a big company to go @+#.

I wholeheartedly(sp?) agree wiTh the sentiment but i think you will find something under anti terror legiaslation that say this would be classed as terrorism.

If writing letters to an MP can have you pulled up for being a nutjob then organsising a mass letter writting campaign may well deem you more dangerous than Mr Bin Laden himself.

Wideboy

22-07-09, 02:53 PM

gruntygiggles

22-07-09, 03:59 PM

well its only been about 3 weeks but they said this morning the letter i got today was just a standard letter that gets sent out, seems to me that they are not really reading the letters i am sending them and just fobbing me off with generic ones back :rolleyes: so how do i go about checking my credit record?

im not good with legal stuff or what ever but when i told my mummy :smt048, she was utterly baffled as they had set up a completely different policy and said its pretty illegal

http://www.experian.co.uk/

ou'll have to give your debit card details for identity purposes and I think they still do it that after a few days you get a pin or password through the post.

It's only free for 30 days though, so before the 30 days is up, just log on and cancel and check with your bank that they haven't requested any money as if you don't cancel, they'll assume you want membership (it's in the small print) and will take money from your account (£6 I think).

But, you do get those 30 days free and you can log on and check all of the records against your credit file. Have a really good look through as you may have incorrect information on there and discrepancies can lead to your credit rating being affected. Check that there are no unpaid records against this new insurance provider. If there are.........Smack them with all the crap you can. Letter after letter and if you want to pm me do.....I know a very good way of making these companies quake but don't want to post it on a forum. It's perfectly legal, but not something that should be abused or the laws will get changed.

Wideboy

22-07-09, 04:07 PM

http://www.experian.co.uk/

ou'll have to give your debit card details for identity purposes and I think they still do it that after a few days you get a pin or password through the post.

It's only free for 30 days though, so before the 30 days is up, just log on and cancel and check with your bank that they haven't requested any money as if you don't cancel, they'll assume you want membership (it's in the small print) and will take money from your account (£6 I think).

But, you do get those 30 days free and you can log on and check all of the records against your credit file. Have a really good look through as you may have incorrect information on there and discrepancies can lead to your credit rating being affected. Check that there are no unpaid records against this new insurance provider. If there are.........Smack them with all the crap you can. Letter after letter and if you want to pm me do.....I know a very good way of making these companies quake but don't want to post it on a forum. It's perfectly legal, but not something that should be abused or the laws will get changed.

woo i like the sound of that, i will wait for my refund then will check my records, all being well i SHOULD have been refunded by the end of the week

Wideboy

29-07-09, 10:38 AM

refund confirmed but still not had...... one last threatening letter its to be sent before i go all john rambo!

gruntygiggles

29-07-09, 10:55 AM

refund confirmed but still not had...... one last threatening letter its to be sent before i go all john rambo!

Now THAT I would like to see!!!:smt068

richie95

29-07-09, 11:07 AM

i dont know how this worked, but a few years back i cancelled a DD in the bank for a mobile phone, it was a bit late and the payment had already gone out, but they were able to retract the payment back from the mobile phone account.... it may be a time scale to it, but i was impressed.... (nat west at the time)

Wideboy

29-07-09, 12:33 PM

sorted thanks to paws, i couldn't PM you back to say thank you :(

Wideboy

04-09-09, 11:32 AM

received final refund today, nice hand written cheque just dropped through my letter box, im off to cash it................ lets see if it bounces!

lily

04-09-09, 11:57 AM

received final refund today, nice hand written cheque just dropped through my letter box, im off to cash it................ lets see if it bounces!

any compensation or payment of interest as it wasn't in your account..... or payment for any bank fee's you have got?

gruntygiggles

04-09-09, 12:02 PM

any compensation or payment of interest as it wasn't in your account..... or payment for any bank fee's you have got?

+1....if you haven't had this and have not cashed the cheque yet....don't. Send it back with bank statements detailing your costs and an invoice to cover it.

Sounds like a pain in the ****, but it's worth it.

Wideboy

04-09-09, 02:39 PM

yep the cheque i received today was the bank charges, when i was paid the 1st refund i was annoyed i hadn't got my bank charges refunded, when i phoned up i was asked why they should refund bank charges (had explained all this about the 10 other times i had rung up...... then when i explained i have sent all the relevant docs to you as proof and sent them "signed for" i was then told they had gone missing (luckily i scribbled all my bank details out ont he statement :rolleyes:). Was told i would receive a call the next day to confirm everything..... nothing...... phoned back a few days later to be told cheque had been sent off for a refund.

i have given MCE 4 years custom, they nearly had a 5th year if it wasnt for my laziness and this is how im treated? its taken nearly 3 months to get sorted out, i have basically been called a lier over the phone (they didn't believe my new insurance was so cheap and they said i hadn't sent them my documents) and there customer service is ****ing disgusting, they are still a bunch of robbing barstewards... thank **** i never had to make a claim with them, bunch of :toss:

_Stretchie_

04-09-09, 02:58 PM

Yo, congrats for getting something from these caniving, robbing, theiving, lieing, scummuy, mis-selling, non customer focused BARSTEWARDS

I think I'm going to give this thread a good reading through.

They screwed me right over, against my better judgement I went with them again as it meant I did not have to fork out a £200 deposit to start insurance elsewhere, and they have three time in as many months rang me to ask things like "The insurer are asking why your bike is so far away from your house" The garage is attached to the house,

I found that even though I claimed with them last year they put me down as having 3 years no claims when they qouted me and took legal cover and breakdown off the policy.

Told me on the phone that I was covered to ride other bikes thrid party. No where on the policy time and time again this stuff happens, I'm just waiting to get my 1 years no claims then tell them to stick it somewhere painfull....

Wideboy

04-09-09, 03:08 PM

.......

you reminded me of a few other things......... in my 1st year i asked for pillion cover, i was simply reading through my policy after i had taken pillion a hell of alot of times and found out i was not covered :confused:, my mileage limit was set to 3000 when i had specifically asked for it to set at 11000....... i told them to go thro the recordings and listen to what i said as im not paying extra for something i already asked for, i was basically told to fork off.

im covered for outside the UK aswell, when i went to France i called them a month prior to going to tell them i would be after i got back i phoned them to tell them i was back and to stop the international break down cover, insurances ect..... i was then slated because i apparently didn't tell them i was going :rolleyes:

bunch of skanks..... YEAH, THATS RIGHT I CALLED YOU SKANKS!!!