Re: Barclaycard....Advice needed

In message <> writes
>> Its sad you didnt understand that the joke is on you.
>>
>> By cancelling the DD merely puts you in default of your
>> contract with the insurer. As a result they will cancel the
>> contract. This is a completely different scenario to you
>> cancelling the policy by writing to the insurer and it is quite
>> reasonable for them to need the cancellation request in writing.
>
>It might (possibly) be "reasonable" to need the cancellation
>request in writing when the contract was taken out "in writing",
>but if it had (say) been taken out online or via telephone,
>then why shouldn't the cancellation be done the same way?

Then it wouldnt have been a DD but a Continuous Authority which isnt
what we are talking about.
>
>"John Boyle" wrote
>> You might end up with the same end result
>> because you couldnt be 'ar5ed' but it is your
>> inability to understand the difference that is
>> pythonesque, not the behaviour of the InsCo.
>
>Are you trying to say that there are
>two different types of "cancellation"?

No, but that there is way of you cancelling it and a way of the InsCo
cancelling it.
>
>If, according to the contract, the insurer *will*
>cancel the insurance on non-payment of
>premium, then why shouldn't the policyholder
>avail him/herself of that contract provision?

I note your use of the word 'if'.

How does the insurer differentiate between somebody who needs cover and
whose payment failed for whatever reason. IN practice Life Insurers will
make attempts to contact the insured once they learn that a DD mandate
has been cancelled and will send new Mandates etc.,. many InsCos will
keep the cover in place for up to 3 months whilst the position is
clarified.


--
John Boyle