Will you be making any response to the observations of Smarts?

I repeat that as I do not have a claim, I see no reason to provide my policy details. My question which has only been partly answered was whether a company like Norwich Union, hot on customer service, had any concerns about putting their policy holders into the hands of a company with dubious business practices over which they had no control and whether I could appoint my own solicitor if I wished to make a claim. Norwich Union first advised that they dealt with many legal expenses insurance companies before confirming that DAS were indeed the underwriters for their policies (therefore this is out of their control). They also advised that if I issued proceedings I could appoint my own solicitor and DAS would pay. They have not advised whether they had any concerns about putting their policy holders into the hands of companies with dubious business practices.

I am grateful for your assistance.

I have claimed the contractual rate of 29.8% on every occasion (I have now done it five times) as this is the rate which had been applied to the account in overdraft . I have always recovered the contractual rate. However I only claim the charges which I have had applied, I do not claim the interest which had been applied as I would not then be able to claim interest at the contractual rate as this would effectively be double recovery. I believe that case on contractual interest which went to court was claiming charges and interest applied as well as contractual interest which could be the reason why it did not suceed but I would be grateful for clarification on this matter.

I have not yet made any claim and I am concerned that you are requesting my policy number and seeking to identify me when postings on this site are supposed to be on an anonymous basis. Your company, which purports to be hot on customer service, contracts with customers to provide a service, namely legal expenses insurance, which is not supplied by yourselves and which you have no control over. There is some evidence that the company actually providing the service has been involved in dubious business practices. You appear to be unable to address legitimate concerns over Norwich Union's association with this company on this site. I am of the impression that your joining this site nothing more that a PR exercise intending to assure the public of your company's commitment to customer service and I would be interested to know how many customers complaints have actually been resolved by your intervention.

Hi Becca, Are you now able to provide a response to my query? Regards.

I am a Norwich Union policy holder and I am impressed with the company's commitment to customer service in that you have joined this site. However, I note that the legal expenses insurance on your policies is provided by DAS Legal Expenses and after considering other threads on the insurance site, I do find it somewhat surprising that a company so hot on customer service would place their policy holders in the hands of a company where apparent concern exists in respect of their dubious business practices. My policy/contract is with Norwich Union and not DAS and I would be extremely grateful for your confirmation that if in future I have cause to make claim on the legal expenses part of the policy, you would be prepared to arrange for a different company to deal with this on my behalf, or alternatively,my own solicitor.