A bit of advice would be appreciated with the following - Took out policy online with OneCall Documents were requested as usual to be uploaded to my policy portal I have 2 "claims" on my policy The first is a non fault claim for which I have the paperwork to confirm this from the then insurer. I uploaded this document and subsequently held calls with OneCall to confirm that this document was received, read and understood. Also to confirm that this particular "claim" would not affect the agreed quoted price of my policy. The second is a windscreen replacement which I was advised at the time would not affect my claims record. I could not find the insurer at the time of the windscreen replacements details and therefore explained to OneCall that I would hunt down the info and then share with OneCall. I requested the date and the vehicle reg (I have a couple of cars both insured in my name), so I could hunt the details down asap. They could only share with me the year - which was a start. It proved that the time limit that OneCall was pushing on me to find these details was not enough for me to confirm as OneCall started pushing cancellation notices on me. I requested some guidance from OneCall on how I could contact the central claims database and request all the details held about me to resolve this sooner. I was advised to write to the Motor Insurers Bureau, send the fee and I would receive this info. Which I duly then sent off as advised. On the last day OneCall had given me before the cover expired, I was on the phone (I called them as I knew I had to resolve) I explained the situation that I did not have the details of the windscreen replacement, so to keep me insured I said please continue to cover me and I accept any additional charges for the claim - and asked what these were. The agent on the phone said they were not sure if they could do this as the policy was due to expire at midnight. You can imagine I immediately asked why, please explain, please transfer me onto someone who does know and can understand how to resolve this. None of the answers to resolve came. I also confirmed if the agent could see the first uploaded document - to which I now got a no - we havent received it. I uploaded again whilst the agent was on and she said that she wasnt receiving it but did have issues with her pc. I asked her to log on to another PC or indeed ask a colleague to help. None available. I was told however that due to the technical issue of them receiving documents and they could not answer my request of just insure me with the oe claim (until I can confirm and share later down the line) that the insurance would indeed not expire overnight. I was told that I would be contacted in the morning to confirm and resolve one way or the other. The next day came. I did get a call. I missed it. I did return the call soon afterwards (I was working) and then got cut off whilst we were discussing my account. I called back - no answer - had to jump back into my meeting at work. Called again same day and they confirmed that my insurance was cancelled as I had failed to provide the documents. Quick recap - one set of docs were confirmed to be received - plus I had 3 successful docs uploaded from their website over the period of doing so. The second set I didnt have but said please insure me with knowing I will accept a claim on file until I can resolve. Insured with someone else. Done. Next received docs back from Motor Ins Bureau. Nothing in regards to claims are recorded. Just the years and vehicles I was. Next I receive letters from OneCall Debt Recovery demanding £246.41 saying that they will take this amount from the card used to take out the policy. Which I had to cancel the card as I had 48 hours from which the letter landed to when it would be taken. Cancellation charges - Insurance Cost 1,751.89 Charge for time on cover 293.42 Broker charges during the policy term 39.00 Discounts applied to the policy 74.74 cancellation charge 55.99 Total cancellation cost 388.41 Amount paid (deposit) 142.00 Balance 246.41 Shortly later I have received another letter which includes an additional £25 charge for a handling fee. Balance now £271.41. 7 days to pay or court enforcement action will be taken. The letter is dated 13th April. The original cost for the quoted and accepted insurance was 950.00... How would I deal with these incompetent bandits? Cheers!

Hi, I need some advice please. I had a car insurance policy with OneCall insurance and during the policy I changed my car. OneCall asked for £50 to change the policy to my new car and I asked them to add this to the direct debit agreement I had with them which they agreed. A few months later they sent a 'final demand' for this £50 so I rang them and asked why they had sent this letter, after all, they should have collected this payment by Direct Debit as agreed. They apologised and said they would take the payment with the last direct debit payment due. On Saturday I had a letter from a DCA demanding payment and costs. Now today I have had another letter saying as I have not paid more charges and interest have been added and recorded on my credit file as a bad debt. So can somebody tell me if/ how I can dispute this debt. I didn't fail to pay, they failed to collect.