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Overpayment of wages

Thanks for the clarification.

Strange to relate, for my own motor insurance, with renewal terms for a third year issued, the premium has gone down each year from the policy having been taken out. That's even with working in the licensed trade. Even then, I've found somewhere even cheaper this year, so have gone to them.

The lapsed policy was with eSure, which is a Bank of Scotland subsidiary (BoS also do Sainsbury's motor insurance). They, in fact, require you to telephone them to confirm renewal, as do many other insurers, the reason for which is, I believe, to get your confirmation that there has been no alteration in the risk AND to ascertain, by doing voice checks, that you are telling the truth, when they ask certain questions relating to the renewal. The same was true of my insurers before that - you HAD to telephone them in order to renew the policy, hence renewal was not undertaken until I had contacted them.

Reply to
®i©ardo
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Yes. I find it very worrying that a CCA can only be terminated by the payee and not the card holder, not even by the card holder closing the account.

I really can't now understand the CCA instrument existing for much other than the purpose of fraud.

Reply to
John Burke

It was relevant to insurers in general, and Direct Line in particular, increasing their premiums when there was no claims reason to do so. Whether one is talking about a car policy or a house policy is neither here nor there.

Reply to
Ronald Raygun

Well, it is. Generally premium increases are generated by claims experience, which is often relevant to a specific location or group of people, plus increased costs, such as the imposition of insurance premium tax and other less specific taxes. Whilst most household premiums will be affected by flooding in the UK, and the threat of flood, those most at risk will pay even higher premiums than those not.

From my own experience my premiums for motor insurance have gone down over a three year period, and I've just moved cover elsewhere for an even lower premium.

Reply to
®i©ardo

"John Burke" wrote

That's just not true. The 'card holder' can terminate the CCA by writing to the 'payee' to cancel it. Then the 'payee' will no longer have the required "authority" (which is what the letter 'A' in 'CCA' stands for), hence no CCA.

Why do you insist otherwise?

Reply to
Tim

In message , Tim writes

I think its a common misconception, brought about by the fact that, unlike a direct debit for example, a CCA cannot be cancelled by calling your bank and asking them to cancel it. Doing so with a CCA results in them telling you that they cant cancel it on a call from the customer, only from the supplier.

It would help if they went on to explain that the customer can cancel by writing to the supplier withdrawing authority (and preferably copying that letter to the card company), but often they don't do that.

Reply to
Mike_B

I've been wondering what happens when the card holder dies.

I would guess that in a lot of cases the exec is not going to know who the supplier is so that they can ask them to cancel.

tim

Reply to
tim (not at home)

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