Boiler insurance - Direct debits have increased
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It is possible that your service provider may have the right to increase your payments based on your contract with them. It is not an uncommon for service provider to start you on a lower tariff and then to increase this over time. Often these increases are not noticed, although the firm should inform you, often by letter. If the increase is in your contract then they have the legal right to increase your payments.
If your contract does not permit your service provider to increase your payments (e.g. to agreement inflation, or in line with costs) then they will be in breach of their contract with you and you should make this clear in your communications with them.
- You cannot raise your case to the ombudsman until 8 weeks after you have first raised your complaint with your insurer
- Your complaint must also not be older than six months.
- For an accurate decision by the ombudsman you should provide a detailed file of your communications and supporting documentation
- If you’re making a complaint about an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
How long do you have to wait?
If you cannot resolve your issue you cannot raise your case to the ombudsman until 8 weeks after you have first raised your complaint with your insurer, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked.
Is there a time limit?
Your complaint must also not be older than six months.
What will the ombudsman do?
For an accurate decision by the ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help them assess your case.
What is a deadlock letter?
Your case will be considered to have reached deadlock if the company:
- Feels it has done everything it can
- It is unwilling or unable to give you what you are requesting
- It says there isn’t reasonable cause for complaint
Or if neither you or the company is willing to change.
These types of situation are known as deadlock.
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