[Quantum Owners] Adrian Flux...

[Niall McCracken]

I have had an extremely unsavoury exchange with Adrian Flux today regarding 
cancelling my Quantum Insurance.

 I'm trying to cancel 6 months through a policy and I'm paying for it 
monthly. They've told me that the only way I can cancel is by paying the 
entire remaining 6 months of the policy upfront. I argued that if they 
aren't providing a service they can't possibly charge for it. They reason 
this is because the policy and the payment for the policy are completely 
unconnected. The "credit agreement" is unconnected to the policy and simply 
has to be paid no matter what irrespective of what happens to the actual 
policy. This seems fairly insane to me. The extremely - extremely rude and 
aggressive person at Adrian Flux told me that it was explained when I took 
the policy out that I wasn't entitled to any refund; I said I didn't want 
any refund I just wanted to cancel the policy. She said this actually meant 
a refund from the total amount of credit I had taken out irrespective of 
what happens. 
She then, when not shouting over me tried to explain my consumer rights and 
advised "strongly" against complaining to the FSA or Ombudsman as it would 
be a "waste of time". Effectively this means I can't cancel the insurance 
on my Quantum, leaving it impossible for anyone else to insure it.
I may be being a bit naïve here but I have never, ever, heard of a credit 
agreement for insurance operating in this way. Is it just me or does that 
sound completely bonkers?

-- 
-- 
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To post to this group, send email to quantumowners@googlegroups.com
To unsubscribe from this group, send email to 
quantumowners-unsubscr...@googlegroups.com
For more options, visit this group at 
http://groups.google.com/group/quantumowners?hl=en

IMPORTANT NOTE: All information presented herewith is provided on an "As Is" 
basis, without warranty or the implication thereof. Neither the Quantum Owners 
Club nor the individuals associated with the Quantum Owners Club or in the 
preparation of the above information shall have any liability to any person or 
entity with respect to liability, loss, or damage caused or alleged to be 
caused directly or indirectly by the instructions contained within this or 
related message(s).
--- 
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To unsubscribe from this group and stop receiving emails from it, send an email 
to quantumowners+unsubscr...@googlegroups.com.
To view this discussion on the web visit 
https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com.
For more options, visit https://groups.google.com/d/optout.

Re: [Quantum Owners] Adrian Flux...

[Matthew Wastell]

I recall seeing policies years ago that refunded a sliding scale when 
cancelling.

Eg, cancel after a month you get 11 months back minus admin fee.  Cancel in 
last two months and get nothing back.

This is from AA car insurance
 Cancellation outside 14 days
Beyond 14 days of receipt of Your policy documentation or the date You enter 
into the contract, (whichever is later) You may cancel this insurance at any 
time. Your Insurer will refund a percentage of the premium calculated on a pro 
rata basis equivalent to the period of cover left unused. The charge for this 
period of
16
cover will always be a minimum of £15. No refund of premium will be allowed if 
a claim has or is being made against this policy prior to such cancellation 
during the current period of insurance. AAIS will charge a cancellation fee* of 
£30 and also retain its arrangement fee* of £28. If You have chosen to pay Your 
annual premium by instalments and a claim has been made You must continue to 
pay Your monthly Direct Debit or pay in full any premium of balance due.

So basically you get a pro-rata amount back minus a fee.

I’d expect that to be pretty standard.

Now I suspect that the finance for the policy and the policy are separate for 
you. So it could be ‘perfectly normal’ that you have to settle the finance, and 
then get a refund from the insurance policy. I can’t believe there is nothing 
due back.

The only way to be sure is to check both your policy and financial workings. If 
these aren’t your thing, share them here and I’ll have a go and translating for 
you.

Matthew



On 20 Jun 2019, at 22:09, Niall McCracken 
mailto:niallmccrac...@gmail.com>> wrote:

I have had an extremely unsavoury exchange with Adrian Flux today regarding 
cancelling my Quantum Insurance.

 I'm trying to cancel 6 months through a policy and I'm paying for it monthly. 
They've told me that the only way I can cancel is by paying the entire 
remaining 6 months of the policy upfront. I argued that if they aren't 
providing a service they can't possibly charge for it. They reason this is 
because the policy and the payment for the policy are completely unconnected. 
The "credit agreement" is unconnected to the policy and simply has to be paid 
no matter what irrespective of what happens to the actual policy. This seems 
fairly insane to me. The extremely - extremely rude and aggressive person at 
Adrian Flux told me that it was explained when I took the policy out that I 
wasn't entitled to any refund; I said I didn't want any refund I just wanted to 
cancel the policy. She said this actually meant a refund from the total amount 
of credit I had taken out irrespective of what happens.
She then, when not shouting over me tried to explain my consumer rights and 
advised "strongly" against complaining to the FSA or Ombudsman as it would be a 
"waste of time". Effectively this means I can't cancel the insurance on my 
Quantum, leaving it impossible for anyone else to insure it.
I may be being a bit naïve here but I have never, ever, heard of a credit 
agreement for insurance operating in this way. Is it just me or does that sound 
completely bonkers?

--
--
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To post to this group, send email to 
quantumowners@googlegroups.com
To unsubscribe from this group, send email to 
quantumowners-unsubscr...@googlegroups.com
For more options, visit this group at 
http://groups.google.com/group/quantumowners?hl=en

IMPORTANT NOTE: All information presented herewith is provided on an "As Is" 
basis, without warranty or the implication thereof. Neither the Quantum Owners 
Club nor the individuals associated with the Quantum Owners Club or in the 
preparation of the above information shall have any liability to any person or 
entity with respect to liability, loss, or damage caused or alleged to be 
caused directly or indirectly by the instructions contained within this or 
related message(s).
---
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To unsubscribe from this group and stop receiving emails from it, send an email 
to 
quantumowners+unsubscr...@googlegroups.com.
To view this discussion on the web visit 
https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com.
For more options, visit https://groups.google.com/d/optout.

-- 
-- 
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To post to this group, send email to quantumowners@googlegroups.com
To unsubscribe from this group, send email to 
quantumowners-unsubscr...@googlegrou

Re: [Quantum Owners] Adrian Flux...

[Susan and Martin Scott]

May I ask why you want to cancel the policy with them and then move to another 
provider? (other than moving away from AF)
I take this opportunity to add that I moved away from them when my renewal came 
a few years ago. They failed to provide agreed value paperwork after 3 months 
(despite them insisting I provided paperwork to them within 14 days... I 
provided it within 7 days). If Steve Kodz hadn't assisted I don't think it 
would ever have been resolved.
Martin
  - Original Message - 
  From: Niall McCracken 
  To: Quantum Owners Group 
  Sent: Thursday, June 20, 2019 7:43 PM
  Subject: [Quantum Owners] Adrian Flux...


  I have had an extremely unsavoury exchange with Adrian Flux today regarding 
cancelling my Quantum Insurance.


   I'm trying to cancel 6 months through a policy and I'm paying for it 
monthly. They've told me that the only way I can cancel is by paying the entire 
remaining 6 months of the policy upfront. I argued that if they aren't 
providing a service they can't possibly charge for it. They reason this is 
because the policy and the payment for the policy are completely unconnected. 
The "credit agreement" is unconnected to the policy and simply has to be paid 
no matter what irrespective of what happens to the actual policy. This seems 
fairly insane to me. The extremely - extremely rude and aggressive person at 
Adrian Flux told me that it was explained when I took the policy out that I 
wasn't entitled to any refund; I said I didn't want any refund I just wanted to 
cancel the policy. She said this actually meant a refund from the total amount 
of credit I had taken out irrespective of what happens. 
  She then, when not shouting over me tried to explain my consumer rights and 
advised "strongly" against complaining to the FSA or Ombudsman as it would be a 
"waste of time". Effectively this means I can't cancel the insurance on my 
Quantum, leaving it impossible for anyone else to insure it.

  I may be being a bit naïve here but I have never, ever, heard of a credit 
agreement for insurance operating in this way. Is it just me or does that sound 
completely bonkers?


  -- 
  -- 
  You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
  To post to this group, send email to quantumowners@googlegroups.com
  To unsubscribe from this group, send email to 
quantumowners-unsubscr...@googlegroups.com
  For more options, visit this group at 
http://groups.google.com/group/quantumowners?hl=en
   
  IMPORTANT NOTE: All information presented herewith is provided on an "As Is" 
basis, without warranty or the implication thereof. Neither the Quantum Owners 
Club nor the individuals associated with the Quantum Owners Club or in the 
preparation of the above information shall have any liability to any person or 
entity with respect to liability, loss, or damage caused or alleged to be 
caused directly or indirectly by the instructions contained within this or 
related message(s).
  --- 
  You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
  To unsubscribe from this group and stop receiving emails from it, send an 
email to quantumowners+unsubscr...@googlegroups.com.
  To view this discussion on the web visit 
https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com.
  For more options, visit https://groups.google.com/d/optout.




--
  This email has been checked for viruses by AVG antivirus software. 
www.avg.com 
   

-- 
-- 
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To post to this group, send email to quantumowners@googlegroups.com
To unsubscribe from this group, send email to 
quantumowners-unsubscr...@googlegroups.com
For more options, visit this group at 
http://groups.google.com/group/quantumowners?hl=en

IMPORTANT NOTE: All information presented herewith is provided on an "As Is" 
basis, without warranty or the implication thereof. Neither the Quantum Owners 
Club nor the individuals associated with the Quantum Owners Club or in the 
preparation of the above information shall have any liability to any person or 
entity with respect to liability, loss, or damage caused or alleged to be 
caused directly or indirectly by the instructions contained within this or 
related message(s).
--- 
You received this message because you are subscribed to the Google Groups 
"Quantum Owners Group" group.
To unsubscribe from this group and stop receiving emails from it, send an email 
to quantumowners+unsubscr...@googlegroups.com.
To view this discussion on the web visit 
https://groups.google.com/d/msgid/quantumowners/AF8FE72D031E42DCBF71314BD77CAAB2%40computer.
For more options, visit https://groups.google.com/d/optout.

Re: [Quantum Owners] Adrian Flux...

[Darren Siepka]

This sounds like they use the finance house like I used to do with certain
clients when I was selling IT installs.
The finance house used to pay me in full on the day they signed up, then
the client paid the finance house and was nothing to do with me. Saved me
the headache of chasing a bad payer!
I suspect fluxes has been paid in full already and don't want to reimburse
the finance people!
Pretty poor show and very unprofessional !

On Thu, 20 Jun 2019, 23:14 Susan and Martin Scott, <
susanandmar...@corringham99.free-online.co.uk> wrote:

> May I ask why you want to cancel the policy with them and then move to
> another provider? (other than moving away from AF)
> I take this opportunity to add that I moved away from them when my renewal
> came a few years ago. They failed to provide agreed value paperwork after 3
> months (despite them insisting I provided paperwork to them within 14
> days... I provided it within 7 days). If Steve Kodz hadn't assisted I don't
> think it would ever have been resolved.
> Martin
>
> - Original Message -
> *From:* Niall McCracken 
> *To:* Quantum Owners Group 
> *Sent:* Thursday, June 20, 2019 7:43 PM
> *Subject:* [Quantum Owners] Adrian Flux...
>
> I have had an extremely unsavoury exchange with Adrian Flux today
> regarding cancelling my Quantum Insurance.
>
>  I'm trying to cancel 6 months through a policy and I'm paying for it
> monthly. They've told me that the only way I can cancel is by paying the
> entire remaining 6 months of the policy upfront. I argued that if they
> aren't providing a service they can't possibly charge for it. They reason
> this is because the policy and the payment for the policy are completely
> unconnected. The "credit agreement" is unconnected to the policy and simply
> has to be paid no matter what irrespective of what happens to the actual
> policy. This seems fairly insane to me. The extremely - extremely rude and
> aggressive person at Adrian Flux told me that it was explained when I took
> the policy out that I wasn't entitled to any refund; I said I didn't want
> any refund I just wanted to cancel the policy. She said this actually meant
> a refund from the total amount of credit I had taken out irrespective of
> what happens.
> She then, when not shouting over me tried to explain my consumer rights
> and advised "strongly" against complaining to the FSA or Ombudsman as it
> would be a "waste of time". Effectively this means I can't cancel the
> insurance on my Quantum, leaving it impossible for anyone else to insure it.
> I may be being a bit naïve here but I have never, ever, heard of a credit
> agreement for insurance operating in this way. Is it just me or does that
> sound completely bonkers?
>
> --
> --
> You received this message because you are subscribed to the Google Groups
> "Quantum Owners Group" group.
> To post to this group, send email to quantumowners@googlegroups.com
> To unsubscribe from this group, send email to
> quantumowners-unsubscr...@googlegroups.com
> For more options, visit this group at
> http://groups.google.com/group/quantumowners?hl=en
>
> IMPORTANT NOTE: All information presented herewith is provided on an "As
> Is" basis, without warranty or the implication thereof. Neither the Quantum
> Owners Club nor the individuals associated with the Quantum Owners Club or
> in the preparation of the above information shall have any liability to any
> person or entity with respect to liability, loss, or damage caused or
> alleged to be caused directly or indirectly by the instructions contained
> within this or related message(s).
> ---
> You received this message because you are subscribed to the Google Groups
> "Quantum Owners Group" group.
> To unsubscribe from this group and stop receiving emails from it, send an
> email to quantumowners+unsubscr...@googlegroups.com.
> To view this discussion on the web visit
> https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com
> 
> .
> For more options, visit https://groups.google.com/d/optout.
>
>
> --
> [image: AVG logo] 
>
> This email has been checked for viruses by AVG antivirus software.
> www.avg.com 
>
> <#m_-619240944694779385_DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>
>
> --
> --
> You received this message because you are subscribed to the Google Groups
> "Quantum Owners Group" group.
> To post to this group, send email to quantumowners@googlegroups.com
> To unsubscribe from this group, send email to
> quantumowners-unsubscr...@googlegroups.com
> For more options, visit this group at
> http://groups.google.com/group/quantumowners?hl=en
>
> IMPORTANT NOTE: All information presented herewith is provided on an "As
> Is" basis, without warranty or the implication thereof. N

Re: [Quantum Owners] Adrian Flux...

[Chris Young]

I looked at cancelling my Q a while back after about 6months and was told I
would get nothing back. I had paid upfront. The monthly payments in my mind
have never been a kinda Pay as you go option, but something you have to pay
in full. Apart from the rudeness, doesn't sound like anything unexpected
going on

I don't think there is anything stopping you having two policies on  car,
except if you claim and they fight about who is going to pay etc and it
turns into a nightmare.

(from my mobile)

On Thu, 20 Jun 2019, 23:28 Darren Siepka,  wrote:

> This sounds like they use the finance house like I used to do with certain
> clients when I was selling IT installs.
> The finance house used to pay me in full on the day they signed up, then
> the client paid the finance house and was nothing to do with me. Saved me
> the headache of chasing a bad payer!
> I suspect fluxes has been paid in full already and don't want to reimburse
> the finance people!
> Pretty poor show and very unprofessional !
>
> On Thu, 20 Jun 2019, 23:14 Susan and Martin Scott, <
> susanandmar...@corringham99.free-online.co.uk> wrote:
>
>> May I ask why you want to cancel the policy with them and then move to
>> another provider? (other than moving away from AF)
>> I take this opportunity to add that I moved away from them when my
>> renewal came a few years ago. They failed to provide agreed value paperwork
>> after 3 months (despite them insisting I provided paperwork to them within
>> 14 days... I provided it within 7 days). If Steve Kodz hadn't assisted I
>> don't think it would ever have been resolved.
>> Martin
>>
>> - Original Message -
>> *From:* Niall McCracken 
>> *To:* Quantum Owners Group 
>> *Sent:* Thursday, June 20, 2019 7:43 PM
>> *Subject:* [Quantum Owners] Adrian Flux...
>>
>> I have had an extremely unsavoury exchange with Adrian Flux today
>> regarding cancelling my Quantum Insurance.
>>
>>  I'm trying to cancel 6 months through a policy and I'm paying for it
>> monthly. They've told me that the only way I can cancel is by paying the
>> entire remaining 6 months of the policy upfront. I argued that if they
>> aren't providing a service they can't possibly charge for it. They reason
>> this is because the policy and the payment for the policy are completely
>> unconnected. The "credit agreement" is unconnected to the policy and simply
>> has to be paid no matter what irrespective of what happens to the actual
>> policy. This seems fairly insane to me. The extremely - extremely rude and
>> aggressive person at Adrian Flux told me that it was explained when I took
>> the policy out that I wasn't entitled to any refund; I said I didn't want
>> any refund I just wanted to cancel the policy. She said this actually meant
>> a refund from the total amount of credit I had taken out irrespective of
>> what happens.
>> She then, when not shouting over me tried to explain my consumer rights
>> and advised "strongly" against complaining to the FSA or Ombudsman as it
>> would be a "waste of time". Effectively this means I can't cancel the
>> insurance on my Quantum, leaving it impossible for anyone else to insure it.
>> I may be being a bit naïve here but I have never, ever, heard of a credit
>> agreement for insurance operating in this way. Is it just me or does that
>> sound completely bonkers?
>>
>> --
>> --
>> You received this message because you are subscribed to the Google Groups
>> "Quantum Owners Group" group.
>> To post to this group, send email to quantumowners@googlegroups.com
>> To unsubscribe from this group, send email to
>> quantumowners-unsubscr...@googlegroups.com
>> For more options, visit this group at
>> http://groups.google.com/group/quantumowners?hl=en
>>
>> IMPORTANT NOTE: All information presented herewith is provided on an "As
>> Is" basis, without warranty or the implication thereof. Neither the Quantum
>> Owners Club nor the individuals associated with the Quantum Owners Club or
>> in the preparation of the above information shall have any liability to any
>> person or entity with respect to liability, loss, or damage caused or
>> alleged to be caused directly or indirectly by the instructions contained
>> within this or related message(s).
>> ---
>> You received this message because you are subscribed to the Google Groups
>> "Quantum Owners Group" group.
>> To unsubscribe from this group and stop receiving emails from it, send an
>> email to quantumowners+unsubscr...@googlegroups.com.
>> To view this discussion on the web visit
>> https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com
>> 
>> .
>> For more options, visit https://groups.google.com/d/optout.
>>
>>
>> --
>> [image: AVG logo] 
>>
>> This email has been checked for viruses by AVG antivir