P
pinyowat
Guest
Hi all,
Sorry for the long post but I need your advice with my case. I applied for my auto insurance online around April this year. Last month, my insurance was going to be expired so I called the insurance company and asked for the renewal form. The answer I got from them was that they had never received my payment. I made my payment by a credit card and got charged from my credit card company. I faxed the credit card statement to the insurance company but they denied receiving my payment. So, I called my credit card bank and they advised me to dispute the charge. Therefore, I filed a disputed case with my credit card company.
After two weeks (Nov 14th), I got a refunded check from the insurance company for the amount that I paid. I went to deposit the check. Early this week, I got a notice from my bank that the check was returned because the payment was stopped. I called the insurance company again and asked them what happened with the check. They said the reason was that they had never received my payment that's why they stopped the payment. I don't understand why they issued a check if they've never received a payment. Last night, I called my credit card company and asked for my case. They said since this payment was made since April, so they couldn't dispute the charge but they tried to collect the money back from that company. Anyway, I have a feeling that they will never get anything back from that company.
What should I do? Can I file a small claim case? I had driven my car without insurance for 6 months while my money was there in their account. By the way, they asked me if I wanted to get a new policy. The new quote they gave me was the double of what it was six months ago. I desperatly need your help because I don't have any law background. Any advice would be greatly appreciated.
Thanks,
Naris
Sorry for the long post but I need your advice with my case. I applied for my auto insurance online around April this year. Last month, my insurance was going to be expired so I called the insurance company and asked for the renewal form. The answer I got from them was that they had never received my payment. I made my payment by a credit card and got charged from my credit card company. I faxed the credit card statement to the insurance company but they denied receiving my payment. So, I called my credit card bank and they advised me to dispute the charge. Therefore, I filed a disputed case with my credit card company.
After two weeks (Nov 14th), I got a refunded check from the insurance company for the amount that I paid. I went to deposit the check. Early this week, I got a notice from my bank that the check was returned because the payment was stopped. I called the insurance company again and asked them what happened with the check. They said the reason was that they had never received my payment that's why they stopped the payment. I don't understand why they issued a check if they've never received a payment. Last night, I called my credit card company and asked for my case. They said since this payment was made since April, so they couldn't dispute the charge but they tried to collect the money back from that company. Anyway, I have a feeling that they will never get anything back from that company.
What should I do? Can I file a small claim case? I had driven my car without insurance for 6 months while my money was there in their account. By the way, they asked me if I wanted to get a new policy. The new quote they gave me was the double of what it was six months ago. I desperatly need your help because I don't have any law background. Any advice would be greatly appreciated.
Thanks,
Naris