Protecta Insurance?

[Mike748]

Thanks for the reassurance, things got pretty heated when I was on the phone to them this morning I asked to speak to someone of managerial responsibility after getting no where with their customer services lady, she said the case will be passed on to management but I definitely got the drift that she was trying to fob me off hoping id cool off and drop it. I’m rather strong minded and am feeling robbed at the moment so will pay their head office a visit early next week if things aren’t better by then.

Did you cancel the A/P or just the insurance? if you have bank papers stating the A/P is for a set term only then chase the bank.

Bank's don't like bad publicity!! especially if they have been careless with someones money.

[Ixion]

Is auto payment something different to letting them taking it from bank? Is it setting up my own auto bank deposit each month rather than them handling it?

Yes. There is direct debit. That is , in effect, you say to the bank "Let these people take whatever they want out of my account , whenever they want. They will tell you how much they want each time. Only stop paying when they say they don't want any more "

And then there is direct credit. There, you say "Pay these people $xxx each month (or whenever) . Only that much, and only on the dates I have specified. And stop when I cancel this arrangement".

Direct credit I have little problem with. I control it. Direct debit I mistrust fearsomely, because it is controlled by the recipient.

They are quite different things. And as a insurance policy should be a fixed sum each month I can see no reason why direct credit should not be acceptable.

[Ragingrob]

Yes. There is direct debit. That is , in effect, you say to the bank "Let these people take whatever they want out of my account , whenever they want. They will tell you how much they want each time. Only stop paying when they say they don't want any more "

And then there is direct credit. There, you say "Pay these people $xxx each month (or whenever) . Only that much, and only on the dates I have specified. And stop when I cancel this arrangement".

Direct credit I have little problem with. I control it. Direct debit I mistrust fearsomely, because it is controlled by the recipient.

They are quite different things. And as a insurance policy should be a fixed sum each month I can see no reason why direct credit should not be acceptable.

Cheers for that explanation. Right well I should get my policy details early next week and I will read it thoroughly and then work out whether I can direct credit or not. Dave at Kiwibike said to ring him when I get it anyway and talk through any problems, I'm sure he'd be able to sort anything out.

[Mike748]

It is one of the most fundamental principles of our society that laws are written by the rich, for the benefit of the rich, at the expense of the poor. Banks are rich. We (most of us anyway) are poor. The law is there to help them, not us.

............yeah but you don't need to tackle them head on, Banks need people to trust them with their money. They will back down very quickly if they have screwed up and they think it might go public.

If you have paperwork in your favour and the bank refuse to step up, tell them politely that you have been advised to contact an investigative journalist, or such.

[CookMySock]

It is one of the most fundamental principles of our society that laws are written by the rich, for the benefit of the rich, at the expense of the poor. Banks are rich. We (most of us anyway) are poor. The law is there to help them, not us.

HAHAHAHA it is people like you who feed these fat cats. Stop being a softcock and learn to play the game! Tell them rudely and angrily to FUCK OFF!!

............yeah but you don't need to tackle them head on, Banks need people to trust them with their money. They will back down very quickly if they have screwed up and they think it might go public.

If you have paperwork in your favour and the bank refuse to step up, tell them politely that you have been advised to contact an investigative journalist, or such.

Yep. Tell them that their name is ALREADY shit all over the internet due to you discussing it in a HUGE forum - unlikely they EVER get another customer from THAT website (only, oh, 10,000 members there), so sort their shit out PRONTO. /me loads shotgun..

They only do this because people allow them to. It's just business.


DB

[Nasty]

First contact your bank and cancel the Direct Debit - this will stop the insurance agency taking more money.

Speak to someone at the insurance agency .. but this time ask for a team leader or manager - not a phone person.

Have all the details of payments there - and be prepared to email them a very well laid out explaination.

If they don't want to play ball . .ask them what the role of the insurance ombudsman is .. and if they can sort it out since they don't seem to be able to.

That shoud help.

[Owl]

All insurance policies auto-renew unless they are advised to lapse on expiry. Often this is required in writing!

REMEDY.
Get a certificate of insurance from your new insurer and provide this to your previous insurer, then ask them to backdate the cancellation and refund premium. Once this is done, go to your bank and remove the authority for them to take money from your account.
Don't do Direct Debits again and good luck!

[gunrunner]

Yeah tell them f*** *** ! tell them your name is kevin milne from fair go , chances are that would work .

[badassbandit]

After a discussion with the manager of protecta, he has agreed to refund the premiums deducted from my account while I was insured elsewhere.

[Owl]

After a discussion with the manager of protecta, he has agreed to refund the premiums deducted from my account while I was insured elsewhere.

Way to go badassbandit! Did you have to provide a certificate of insurance, or did they just front up?

[CookMySock]

well done matey! Good on yer for standing up to big business, and for drawing their stupid antics to our attention. Well indexed by google to boot. sweet!


DB