A friend has got into problems with Toothfairy Finance. They are unable to meet their repayment in a few days time. I sent an email to Toothfairy via their contact form on their website on my friends behalf. The email was to request a suitable repayment plan and to inform them that my friend was revoking any right previously given to use a CPA on their debit card. My friend has also cancelled this CPA with her bank this morning. However, my friend has just received an email from Toothfairy asking for evidence of her income such as a pay slip. They also acknowledged that she had requested they cancel the CPA. Toothfairy have said they will not use the CPA for a reasonable amount of time. However, they then state that should a payment not be received or a plan set up to pay off the loan that they will reinstate the CPA without further notice, and attempt to take repayments. ( she did not request they cancel the CPA, she instructed them not to use it, and that she revoked any previous permission for them to use it). Are they allowed to reinstate a CPA once she has notified them she has revoked their right to do so, and she has cancelled it with the bank?

I had a T.Mobile "pay monthly" contract for over 6 years. However this April I decided to change providers and telephoned T Mobile to cancel my contract. I only had to give them 1 months notice as I had already come to the end of my current 24 month contract. I cancelled my direct debit with my bank after the final payment had been taken ....So far so good. But a few months down the line I receive a demand via a debt collection agency for over £100. Apparently my contract had not been cancelled as promised. I tried to phone them to explain but they did not take much notice telling me that it was owed and I would have to pay it or risk court action etc. So I paid it in full and asked them again to cancel my contract which they assured me they had. This time I kept an eye on my account online and was horrified to see that they were still trying to take out my monthly fee. So I wrote to them this time and sent it recorded delivery. Today I received another demand from a debt collection agency for two months contract payments. The usual threats pay up or risk legal action. I have since lost the receipt for the recorded letter so I have no proof of sending it. I have no idea what to do now other than pay up.. AGAIN! Any advice would be helpful. Thank you M.

Ok, this isnt too complicated but i wanted some advice first. When i joined my gym, it was Fitness first and i joined online opting for the 'Month by month' option. Essentially, you arent tied into a contract and you just pay the fee each month recurring. Recently though it was taken over by Lifestyle Fitness. Maybe i was a bit naive about this but i assumed my membership would stay the same and the gym staff said as much (i have nothing in writing). i rang today to cancel my membership as i have a new job and wont be able to make it often enough to warrant the cost, and the guy says im in a contract so they "might be funny about you doing that" and i would need to write to them or contact Harlands Group. Ive been with a similar Gym when i was at uni who got really vicious about me cancelling, so i cancelled the direct debit and moved back home, never heard from them again. Now im in a more permanent residence and dont want to cancel the direct debit in case their Debt Collectors arent all bark and no bite. So essentially: I want to cancel a contract with a company i never signed a contract with. quick edit: I have NO documentation or physical contract with either company.

Hi all I am having trouble finding where do i have to pay that 15£ fee for certificate of cancelation for a CCJ. I payed the entire amount in the first month ( i am still in the first month). I want to send that for for certificate of cancellation plus the evidence that i payed but i dont know where should i pay that fee. Please advice. thank you

Help Please - Advice for best recovering losses in the following situation from 23rd August 2013 Overview Flight from Bristol to Dublin (EI3285) eventually cancelled due to technical issue with aircraft after a 4 hour delay. Technical issue was a dent in the nose of the plane. Suspected bird-strike! Alternative routes where provided on first come 1st serve basis during period of delay. This involved a bus trip to Gatwick then an onward flight to Dublin. Apparently this bus got mixed up in traffic and missed the connecting flight. £3 each for refreshments was issued after 3 hours delay Alternative arrangements offered on cancellation of flight @ 17.45 the next day. Not accepted as wedding over by then. Details Travellers - My mother & I. Reason for travel - friend’s wedding. I Booked flights for 23rd August from Bristol coming back Sunday 25th August I booked flights on credit card. Mum booked hotel and paid deposit. I will be invoiced the balance. I booked car hire on the morning of the 23rd. I have tried to cancel this with rentalcars.com they have said within 48 hours they take 3 days hire off!! I booked for 2 days. I am insured with greatcover ‘supercover’ Mum did not have travel insurance. We incurred a number of expenses. We have been promised a (full) refund from Aer Lingus for the flights. Aer Lingus, on questioning said that no compensation would be paid as it was a technical issue which supposedly counts as ‘extraordinary circumstances’ Questions 1. Broadly the best way to approach the situation a. All through Insurance company? b. Through all avenues? i.e i. Insurance ii. Aer lingus complaints iii. Credit card 2. The expenses I can legitimately claim as related to the flight/holiday and from whom!? a. Flights b. Hotel c. Car hire d. Clothes brought for the wedding e. Pay as you go sim to use abroad f. Airport refreshment expenses g. Travel expenses to and from airport h. Phone costs cancelling and making other arrangements i. Time completing all these calims!! j. Other? 3. Position relating to compensation – is Aer lingus claim of ‘extraordinary circumstances’ valid? 4. Can I claim for the cost of the flights from my insurance? 5. Can you claim for delay & cancellation? Many many thanks for any help/advice Julian

This one's a bit long, but please bear with me. I am fuming and desperately need help with this! I booked a self catering apartment for six people for the end of July, however after several of my party dropped out I decided to cancel the booking. My boyfriend and I both sent emails to cancel the booking. We knew we would still be liable for 75% of the accommodation fee as per their (rather unreasonable) cancellation policy, as it was only two weeks until we were due to have arrived (unless they manage to re-let the apartment, in which case we would get the full balance back). Still, we thought getting 25% back was better than nothing. We still have email records of our cancellation emails. My boyfriends in particular was very clear and impossible to dispute, and as we'd both had had previous email correspondence with them using the same email addresses, we know they will have received the emails. However, both emails went unanswered. The woman we dealt with is incredibly difficult to get hold of and doesn't seem to like answering emails, so we weren't surprised by this. We continually tried to get her on the phone, and after several days she phoned me back in response to a rather irate voicemail. I explained very clearly that I would like to cancel the booking. She gave me a vague offer of coming over with just my boyfriend and using the money I'd already paid against a one bedroom apartment, so I could get my 25% back and still have a bit of a holiday. I said I would think about it but that my boyfriend had now made other plans and I was unlikely to find someone else to go with. I said that ideally I wanted to re-let and get my money back. She said she would do her best to re-let the place. This conversation took place entirely by phone and there is no written record of this offer or my response to it. After several days (and several unanswered phone calls) I finally got an email with five days to go saying that they hadn't found anyone to replace us, but that they were still trying. By Friday - the day before we would've arrived - I had still heard no definitive final answer. So I phoned her on Friday, Saturday and Sunday to find out if they'd re-let it, all to no avail. Finally on Monday morning I emailed her saying I could only assume they hadn't found anyone to replace us and please could we just have our 25% back. Yesterday she replied, saying that as she had not been able to re-let the apartment she had expected my arrival on Saturday, and that "cancelling 2 days after expected arrival time is considered a no-show and therefore you are liable for 100% of costs", so I wouldn't get my 25% back. She continued: "I offered you a one bedroom apartment as a replacement but you rejected this idea. You did however say that you would still come if we could not find a replacement, which we could not." Firstly, both of those statements are false, and she knows it. Secondly, I should not be the one to have to chase her to find out whether they had successfully re-let it or not. I am not a mind reader. If they couldn't re-let and knew that it was too late to do so they should have contacted me saying 'this is the situation, what would you like to do?' and certainly should not have ignored my phone calls for three days and then claimed that it was ME being unreliable. Either way, the conversation to which she refers as evidence took place by phone, there is no written record of it. There is however a very clear written record of my boyfriend and I emailing to cancel two weeks ago. If anyone can refer me to any legal points which I may be able to send her way I would greatly appreciate it. I would also like to report them to a tourist board as their conduct has been entirely unprofessional and incompetent right from the beginning. Thank you in advance G

My apologies if this appears in the wrong place which I think it is, but I am new and when I tried to post in the Bank sector I was messaged 'This forum is not accepting new posts!' I have a Cardsave Merchant Services online facility which I have never used. I have been paying £24/month. I knew I was in a 12 month contract, so waited until twelve months were up then cancelled my contract. I am then told by the cancellations department that I needed to cancel before the end of 12 months giving 30 days notice otherwise the contract rolls over into another 12 months. I therefore needed to cancel in month 23, or it would roll over again! I am therefore to be charged £150 cancellation fee plus a further 12 months at £24/month. £438! Nice little earner! 1) Is this even lawful? 2) Does anyone have any suggestions on how to deal with this one?

I signed up to my local gym the other week however they use an external company to handle the monthly collections side of things. I signed up 8/7/2013 however i'm now working 6 a week and back at uni from September part time - naturally finding time for the gym will be a struggle. I know with most things theres a 14 day cooling off period but i can't see anything relating to this on the confirmation email. All the email says is: Minimum period: 12 months (Non Cancellable in this period) Terms & Conditions Definitions: The Service Provider = "We"; The Customer = "You"; Debit Finance Collections Plc = "DFC" Terms of your Contract Period of Commitment You are agreeing to subscribe monthly for the services provided by the Service Provider and contracting to remain a subscriber for the minimum period shown overleaf. Termination of Service Limited right to cancel During the minimum period of the agreement you may cancel the agreement only: If we fail to maintain the standard of service you would reasonably expect. If we alter the operating hours of the services unreasonably. If you develop a medical condition which prevents you from using the services on an ongoing basis. An appropriate medical practitioner must provide written evidence that this is so. If you move away from the area by a distance which we consider, at our sole discretion, to be too far to travel to the services for regular use. We shall require evidence that such a move has taken place. If you lose your employment and are unable keep up the repayments as a result. You must produce documentary evidence and initially we shall be prepared to suspend payments for two months and review with you your financial situation thereafter. Termination Payment for Early Cancellation If you cancel your subscription during the minimum contracted period, other than in the circumstances set out above, we shall be entitled to a termination payment (a "Termination Payment") The Termination Payment will be the total of: The arrears, if any Any accumulated late payment charges that have been or will be incurred The monthly subscriptions that would otherwise have fallen due before the end of the minimum contracted period. You will be given credit for early payment and this will be a discount allowed against the total you have to pay. For details of how the discount is calculated please contact DFC. Missing Payments If you miss two payments you will be deemed to have breached your contract. Giving notice to cancel DFC (The Collecting Agent) will continue to collect your monthly subscription after the minimum contract period. Should you not wish to continue subscribing after the minimum period you must give notice to cancel the contract in the month before the final payment of the minimum period. If you wish to cancel the contract at any time after the minimum contract period you must give one month's notice. The notice should be in writing or by e-mail and sent to the service provider or Debit Finance Collections Plc. Collecting your monthly subscriptions Debit Finance Collections Plc ("DFC") is our agent for the collection of your monthly subscriptions. DFC will collect your subscription monthly in advance on our behalf by Direct Debit. If you fail to make a payment on time you will incur the following charges: 1) Fail to pay the subscription on the due date ..................................................................................................................................£10.00 2) Fail to pay the missed subscription within 7 days of the date of a reminder letter ..................................................................£20.00 3) Fail to pay the arrears and accrued charges within 7 days of the date of a Final Notice ......................................................£30.00 Late payment charges become payable immediately they are incurred. Other Charges 1) Payment other than by Direct Debit .................................................................................................................................................£5.00 2) Any cheque returned unpaid by your bank.....................................................................................................................................£10.00 DFC is also our agent for serving notice and collecting any Termination Payment which becomes due. Any notice served on you by the terms of this contract will be deemed to have been delivered to you the next day after it is despatched by us, or our agent. Data Protection Statement Debit Finance Collections plc always uses information submitted by you ('Information') in accordance with all relevant data protection legislation. By signing this agreement you confirm your acceptance of the terms of the Data Protection Statement. Debit Finance Collections plc will use information as follows: To supply services as requested by you including the transfer of information to employees, agents and third parties as required for this purpose. For administration purposes To market Debit Finance Collections plc services to you. Debit Finance Collections plc may also disclose details of your account to a debt collecting agency for collection and tracing purposes. Debit Finance Collections plc may transfer its business assets (which include information) on sale or merger of its business. The Data Protection Act 1998 gives you certain rights, including the right to request a copy of your information and to have inaccurate information corrected. Please contact the Data Protection Manager, Debit Finance Collections plc, PO Box 6046, Milton Keynes, MK1 9BA. Does this mean that for the next 12 months I'm going to have to pay due to there being a minimum term imposed on me? Is there anything I can do as I don't want to be shelling out £360 over 12 months for something I won't be using.

I booked an apartment with Alpharooms for July 2014 but the following day I wanted to change the dates to 5 days later. I emailed there customer support team who was dealing with the request. After nearly a month i got the dates changed after several emails were sent. Today I have found out that they changed the dates to July 2013 and have taken a payment of £860. I have had various problems with this one booking and I want to completely cancel it especially as it was there mistake in changing the dates to this year. Will they still be able to charge me a 20% cancellation fee even after all the errors they have made? I really don't feel its fair that they charge me. In total they have cost me £937. Any advice would be appreciated. Regards Sarah

Hi, I signed up with Cardsave in March 2012 and never once used their service so in December I called them to pay my last quarterly payment early and end the contract. They took the payment over the phone and the advisor told me that all I needed to do now was cancel the direct debit. Regardless, the next day I send a letter anyway. I posted it around 22nd December. March 2013 comes around and Cardsave start chasing me for quarterly fees. I rang them and said that I had cancelled the account as far as I was concerned and they said someone would call back. Nobody called back and the letters kept coming, so I wrote to them instead, telling them I had cancelled the contract and it shouldnt have renewed. They eventually rang and said they will need to charge me termination fees as well as the rest of the year's worth of quarterly payments! They said they had never received my cancellation letter. I wrote to them (this time via recorded delivery) with a copy of the letter (I take copies because I know what these companies are like) and also stated that regardless of whether I had sent a letter, I was TOLD that the account was now closed anyway. I have today received a more official sounding letter with a copy of my contract signed in March 2012, asking for £240 and call it quits or they will seek further action and claim the £550 something they say I owe them. I have never used their terminal or any of their services. As far as I was concerned the contract was over. What are my options here when they claim they never received the cancellation letter? Thanks, Mark

I have just attempted to cancel a booking made earlier this week with these, used some miles and paid some with credit card. I was advised that there is a £25 cancellation charge. What I want to know is , are these companies immune from the requirements of the distance selling laws, regulation 8 gives 14 days to cancel. I understand if the departure is imminent, but it is not. There is probably something I am missing.

Hi all, I have recently decided to cancel my contract with 3 Mobile due to poor network coverage. recently started a new job where I get no signal what so ever. After suffering for six weeks I gave them a call to be told they had been experiencing problems in this area, funnily enough, for about six weeks. Even more of a coincidence, I was due to receive a call in the next 48 hours informing me of this fault. They advised four weeks to fix. Also, I never get any signal on the ground floor of my house. They again said there was a technical fault but also the structure of my house may be causing problems. I live in a house which was built just 15 years ago, standard build terraced house. For these reasons, I managed to get them to remove the cancellation fee. I have since taken out a new contract with o2 via the Carphone Warehouse. I am due to give o2 my code this evening to swap the number over. However, I have received a package for Three today asking me to return the phone. It must be new and unused with all original parts. The phone is chipped and cracked. During the call where I cancelled, the adviser told me that the phone must not have any damage on and that I should pay to have it fixed before I return it. At the time, I was not happy as I paid £70 up front as part of the deal (which is advertised as a phone cost). This letter is the final straw, how can they expect me to have had a phone since Sept 2012 and it be 'new and used with all original packaging' How should I approach this? Obviously the ideal solution is to send the phone back as it is. Surely they should expect wear and tear? And it is due to their shocking service that I am leaving. If he hadn't had tried to fob me off with a load of crap about technical problems I could have been convinced to stay I feel. The phone is an iPhone 5 if this is relevant at all. Please advise Many thanks

Hello CAG, Can you please review my cancellation issue and let me know what my possibleoptions are? I joined on a 6 month promotional offer, paying £50 per month on directdebit and said that I did not want to join for any longer as my place of workwas moving in 6 months. They said fine no problem. After 6 months I noticed on my bank statement that I was still paying thedirect debit, so cancelled my direct debit in light of this. I went to the gym and asked what was going on and they said I had to cancelusing a cancellation form to head office or by sending a message using my LAmember zone. I did this on 9th Apr-13 but it appears that the cancellation doesnot have an immediate impact and I have to pay for May's membership before theylet me cancel. This seems ridiculous since I am providing 3 weeks notice andwas not informed of this rolling membership in the first instance. I onlywanted to join for 6 months. I called up customer services and they said I was liable and they wouldchase the remaining payment when due on 30th Apr-13. Am I liable for thisbecause I did not cancel a month in advance? Thanks Ed

Hi all, I’m hoping someone here could give me a little advice on the below. In summary, I signed a 12 month membership contract with Esporta (which was subsequently bought out by Virgin Active). This contract had a 3 months cancellation notice period. I went into the gym a week ago to enquire how to cancel (this is after the original 12 months) and they advised to fill out a form and that my gym membership would be cancelled on the last day of the month and that no further monies would be taken. I completed the form, wrote the date they advised (30th April) as the last date of membership and the receptionist signed the form as well. I've just received an e-mail advising me that I need to give 3 months notice. Am I entitled (by law) to demand they stick with the date they have signed on? Does this signed form now override the original contract? Any advice you could give will be greatly appreciated, even if it’s not what I want to hear Many thanks, Pete

I wanted to know if any1 can help me with this? ive written a draft but i need it making more powerful as such and to the point?

Not sure where to start with this.. The girlfriend had an accident in Oct 2012, it was a full payout (£1000) as the car was a write off. The insurance premium was renewed for 12 months in January 2013 on a direct debit. Now my girlfriend has gone to cancel they are asking for the full premium. Due to accident they are saying the claim is not settled and they basically want her to pay up so that they can recoup the costs. The wording in the policy states: "If any accidents have arisen which may result in a claim we will not refund any premium and, if you are paying by installments, you must still pay us the balance of the full annual premium." Sureley with her renewing the contract in Jan 2013 this should have no bearing on last years policy. She has not claimed since renewing in January. They have even said that even when the accident is fully settled and she still wishes to cancel they will still request the full years premium. Any help? It seems wrong what they are doing, I would understand if it was still within the year the claim/policy was made, but its not.

So I've had a new contract phone and want to come out of my old one early. I phone O2 and I'm told one price (£118), a week later I pay my bill of £38. I then speak to an advisor on their internet live chat and I'm quoted £86.25. Great! phone up to pay the £86.25 and cancel only to be told it's actually £109! Am I right in thinking they need to honour their quote? the error is on their side and not mine. Even if they're not obliged I think they need to review how they handled the situation and at least offer a good will gesture! I've been a loyal customer for over 8 years and spent nearly 2hrs trying to sort this out! Any help would be great, I am making a formal complaint so any advice would be greatly received. Sherrine

My business just been thumped with a £625 bill for advertising I never knew I still had. Having received no reminders or invoices prior to receiving a "Notice of Proceedings" letter I've contacted the firm in question and they have said that it's because we didn't cancel our contract with them and that "it's in their terms and conditions". Having looked at their terms, yes it is there but they are asking for a 12month in-advance cancellation of any contract prior to it rolling over to a renewal. On the basis that the contract was only for 2 years surely 12 months cancellation is unfair!? ... especially when they never even gave us any reminder or even issued an invoice. I've tried reasoning with them on this but they're having no of it and are demanding their money. I cannot pay nor do I want this new contract. When I signed the agreement I asked them if there was anything I should know and they explained nothing ... surely this should have been pointed out to me. What can I do? Surely the Unfair Contract Terms Act would apply here in some form? It turns out that this company are pulling the same stunt with many people up and down the country.

Hi All, Ordered a new car yesterday (completed a new car vehicle order form), in stock at dealer at about 5PM, when returning home I found that the cost of the vehicle on the paperwork was actually £1600 higher than we originally talked about. This meant that a used car exactly the spec I wanted was cheaper... grrrr I called the dealer the next morning .. Sunday... and was told that I could cancel but they would be keeping the deposit (significant amount) because they had another possibility to sell the same car that day and they have sold my part exchange who in turn have sold it on - so it can't be returned ... loss of earnings.... Now I left about 5PM and the dealer closes at 6PM, so they would have to be one very efficient dealer to have done all that in that small amount of time !! Isn't there a cooling off period? I have received no goods, and the vehicle in question was on site, already in stock(old stock that is). Where do I stand? Do they have to give me the deposit back? Thanks, Bob

Hello, this is my first post so any help would be great. I cancelled my David Lloyd membership last week, in writing, and received confirmation of the cancellation with a date of 28 February 2013. They have now written today saying they made a mistake and it should have read 31 March 2013. Does anyone know where I stand on this? I see lots of queries on gym membership but nothing specifically like mine. Would appreciate help please! many thanks in advance Gillian

I am leaving BT who are currently supplying my broadband. No doubt this comes up often - is there a way I can get out of paying BT £30 to stop being their customer? I can't apply for one of those code things, as I am moving house to a new build and need a new line installed. I am going over to Sky for the broadband. I am disgusted that I have to pay BT to stop being their customer - and also would have to pay them to be their customer! Is there a way out?

Hi my self neel, unfortunately i had accidental injury during holiday to my wrist .i provided them medical certificate i requested to gym to cancel my membership but they reply as follows:- "Unfortunately, we have spoken to the centre manager and cannot accept this as termination of your contract. The medical note states only a short term period of 21days for you not to use your wrist. As you are signed on an 18month contract this far outweighs the time length given on your doctor’s note for you to get better.If you are worried about re-injury, I suggest you speak with your doctor and allow him to advise you on exercises you may be able to do to strengthen your wrist. We can also offer you a personal session with our gym manager who will assess your situation and advise you on suitable exercises." I dont want to take risk of injuring my wrist again. but still they took money out of my bank account . now i have cancelled direct debit they handed over to debt collection group . i signed contract with lesiure group for 18 month membership . contract form only had annual or 2 years membership But sales person handwritten on form as 18 month contract . there is no term and condition for 18 month membership on that form ....can i fight for this

Hi, I've been a member for about 3 years, would like to cancel my gym membership although I have to give 3 months notice? That seems a bit steep! I do remember seeing this when signing my contact, although I didn't think much of it at the time. I would have been willing to pay 30 days notice but 3 months just seems very unfair. Do I have any rights not paying the full 3 months, or shall just pay up? Many thanks,

hi recenctly posted 20 k debt 17 creditors so im working through my debts and this is debt number 2 of 17 its for £447.3 with ecar insurance for cancelling a car insurance policy last letter dated 8th january 2013. now this is my most recent of all my debts and its a cracker right here goes i took out this insurance on the 28/7/2012 through a price comparison website and stated on the site i had 6 points 2 x sp30s and i proceeded to checkout, checked my details were correct and paid the deposit 1 week later i get my docs and installment schedule and all paerwork to sign and send back i signed and sent back with photocopies of my driving license and just got on with my life stupidly i never checked over the details with a fine tooth comb but i was working 16hrs plus a day on a building job a month later they sent a letter saying i only declared 3 points on my original quote and when they recieved my photocopied licensee it had 6 points on it they were increasing my premium from £2000 to £3000 because they said i tried to falsify my points to get cheaper insurance. which i wouldnt do i live in merseyside and the police are all over car insurance up here it was inportant to get it right with the comparison site in the first place rather than have my van taken etc etc etc i paid them the original £430 deposit in the first place on the comparrison site to get on the road and the next payment was in 14 days for £168.44 then every end of month thereafter the second payment of £168.44 went out 14 days later as agreed a few days later thats when they wrote to me saying i falseified my details etc (wow) they are now gonna charge me 3k for the premium when it started around 2k (extra grand for an extra 3 points i declared in the first place ) and the finace people will write out with a new schedule so that came out and that was for £297.30 per month what a joke from £168 i sent them a cancelation request and hey presto now they're saying i owe £447.3 for cancelling to top it off i deliberately went onto their website and got a quote stating i had 9 points not 6 to see the outcome it come out at £2100 with 6 points more that what they originally said i put through the price comparrison this is a joke PLEASE HELP what should i do they're pulling a fast one here or a fast few ,,,,,,,,,,,,,,,,, ,,,,,,,,,,,,,,ps i have every doc they sent and the finace conpany even my insurance policy HOPE THAT ALL MAKES SENSE IN A NUT SHELL IT WAS 2 K THEN 3K THEN WHEN I PUT 3 POINTS EXTRA AFTER CANCELLING IT WAS £2100

I took out a motor insurance policy with Swinton back in April. The policy was taken out online then passed to my local branch. They wrote to me asking for proof of no claims and to complete the credit agreement form, to which both were posted to the local brach. A week later I received a letter asking for proof of no claims, but as the letter stated that if I had sent it back within the last few days please ignore the letter. As this was the case I ignored the letter. A week later I received another letter stating that the policy would be cancelled within seven days if I did not provide proof of no claims. At this point I called my local branch and was advised to ignore the letter as they had proof of no claims and there was no further issue. Just over a week later I received a cancellation letter and a cancellation charge of £50. At this point I wrote to my local branch and asked why it had been cancelled when they had all relevant paperwork. No response was received so I called the office but the phone just constantly rang. I sent a further letter and still no reply. I cancelled the direct debit as I had already paid a months premium which covered more than the period I was insured and was not prepared to pay any further premiums or charges as the fault was with their local branch not myself. No response was received until today when I received a letter from Regal Credit Consultants demanding £131.68! I called them this morning but the stroppy operator wasn’t interested in anything I had to say, but just that the outstanding balance is now legally owed and they were going to pursue no matter what. This includes external doorstep collectors. I am now in the process of writing to them detailing the situation and stating that I do not owe the amount stated and that any collection agent calling will be turned away. What I now need is advice on where I stand legally with this. Do I take it up with Swinton head office or do I go to trading standards? Any helpful advice will be gratefully appreciated. Thanks.