August 10, 2022

My spouse and I booked a vacation to Cyprus for us and our daughter as a present to thank her for her persevering with assist. 

Sadly, my spouse fell unwell previous to our departure and we needed to cancel. I claimed on our Aviva journey insurance coverage, which is linked to our Barclays checking account, and was paid in full for our portion of the journey.

My grown-up daughter, who lives independently at one other handle, had her journey insurance coverage as an add-on to her dwelling coverage with Direct Line. 

However the agency refused to refund her share — round £1,000 — on the premise that she had not contributed to the associated fee. I really feel that is grossly unfair.

J. D., East Sussex.

Out of pocket: A household was compelled to cancel their vacation as a consequence of sickness however have been denied a full refund as a result of they don’t all reside on the identical handle

Sally Hamilton replies: It definitely appeared harsh to me that the generosity you confirmed in footing the invoice for a vacation to your daughter was not mirrored within the behaviour of her insurer, Direct Line.

Your daughter had been battling melancholy following her divorce from an abusive husband, however was beginning to make a superb restoration whereas holding down a job, elevating her little one and supporting you and your spouse. 

You needed to rejoice this by inviting her on a vacation to coincide together with your spouse’s eightieth birthday.

There was disappointment all spherical when the Cyprus journey needed to be cancelled. Fortunately, although, you have been in a position to recoup the lack of your share of the invoice out of your insurer.

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However each you and I discovered it laborious to fathom why Direct Line declined your daughter’s declare. You took the case to the Monetary Ombudsman, however the grievance was not upheld.

Direct Line refused to refund the daughter's share of the holiday cost — around £1,000 — because it was paid for her as a gift

Direct Line refused to refund the daughter’s share of the vacation value — round £1,000 — as a result of it was paid for her as a present

Regardless of my request to rethink, Direct Line caught to its weapons. A spokesman says: ‘The declare was declined on the grounds [the daughter] didn’t pay for the vacation, a degree clearly outlined in our phrases and circumstances. 

‘The person who suffered a monetary loss had a coverage with one other insurer.’

I used to be disillusioned to move this on to you particularly as you instructed me later the horrible information that your spouse handed away not too long ago.

Your expertise isn’t an remoted one. Not lengthy after coping with this case, I learn a letter from one other involved dad or mum a few daughter dealing with a vexed insurance coverage declare.

She had booked a March journey to the Aspinall Basis’s Port Lympne wildlife park in Kent for herself, her husband and their three-year-old son, paying £1,177 for a lodge that sleeps as much as 5.

For the reason that cost was the identical whatever the variety of occupants, she invited her mother and father to affix them at no cost.

However simply earlier than travelling, her son fell unwell with norovirus. Since no refund or rebooking is permitted on a last-minute cancellation, the daughter claimed on the journey coverage linked to her Nationwide present account, which is offered by UK Insurance coverage Ltd.

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After a lot correspondence and lengthy delays (resulting in a £50 compensation) the insurer agreed to pay — however solely £606, which was three-fifths of the declare, minus the £100 extra. 

UK Insurance coverage (the principle underwriter behind Direct Line, because it occurs) ignored the actual fact the worth was for the property and acknowledged it will solely pay for these insured on the Nationwide coverage. I felt this was blatantly unfair.

I requested it to rethink. It repeated the identical line, that the coverage solely covers the prices of insured individuals and never any portion associated to uninsured visitors, ‘even when the journey is paid for as a present’.

Nevertheless, I’m happy to say Nationwide stepped in and, in recognition of the circumstances, made an ex-gratia cost of £471, in order that the declare has now been met in full. That’s the vacation spirit!

So the place does this go away individuals who need to deal with their household to a vacation? Direct Line’s spokesman advises: ‘They need to focus on choices for a visitor extension with their insurer, so they’re financially protected for that individual’s proportion of the general value.’

Eharmony mounted me a date with a debt collector

Final 12 months, I joined the courting website eharmony on a particular supply for a 12 months’s membership. I not often used it, then forgot about it and later cancelled the cost methodology.

When the 12 months ended, eharmony contacted me to demand the complete price of £286, however it used the e-mail handle I’d arrange particularly for the service. By likelihood, I checked out it a number of weeks in the past and realised my careless mistake.

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I defined the state of affairs and advised that I pay for the 2 months that had handed because the supply ended. 

Eharmony declined and mentioned the debt had been handed to a debt assortment company.

M. P., Southend-on-Sea.

Dating disaster: Eharmony passed this reader's debt to a collection agency after they forgot to cancel their membership following a special offer period

Relationship catastrophe: Eharmony handed this reader’s debt to a set company after they forgot to cancel their membership following a particular supply interval

Sally Hamilton replies: I believed your suggestion was a realistic resolution. Compromises are key to a profitable romantic relationship, and ought to be for enterprise preparations, too.

Eharmony agreed to waive the debt, and says you received’t be listening to from the debt assortment company.

  • Write to Sally Hamilton at Sally Kinds It, Cash Mail, Northcliffe Home, 2 Derry Avenue, London W8 5TT or e-mail [email protected] — embrace telephone quantity, handle and a notice addressed to the offending organisation giving them permission to speak to Sally Hamilton. Please don’t ship authentic paperwork as we can’t take accountability for them. No obligation will be accepted by the Each day Mail for solutions given.