Hi,
Had a few phone calls from Sureterm Direct asking me to pay up for a car insurance policy
I held between April 2012 to April 2013.
They claim the direct debit wasnt set up/taken
hence I now owe them retrospectively for the £XXX amount for the year.
I have checked and they are right,
the payments were not taken ,
but given the time period elapsed,
the fact the insurance has lapsed where do I stand?
I argued the point that if the payments where not received
then was the insurance then void during that period?,
also why wasnt I chased up then at the time.
If the payement had been refused through me not paying/insufficient funds
then im sure I would have had angry letters saying they were cancelling the policy!
Im thinking I will have to pay them off,
maybe argue a reduction for the inconvinience and their incompetence.
Any advice?