Clarity chasing autorenewed car ins i did not want

[jimkay]

Hi,

I had car insurance 2 years ago with a company called Octagon Insurance, I did it online.

when it came to renewal last year , I went somewhere else.

 

Octagon in their infinite knowledge assumed i would renew with them anyway ,

so they sent me a renewal quote and promptly advised their financing arm - Creation.co.uk to deduct money from my account and set up a direct debit.

 

I got my bank to refund the unauthorised DD,

returned the insurance renewal sent by Octagon ,

but they have been chasing me for about £200 ever since then.

 

I wrote to them to send me the agreement schedule I had with them , but they ignored my mails.

 

Now they have passed my name to Clarity debt collections , and I found out that Clarity did a Credit check on me without my permissions.

They also wrote to me that with their usual threats about putting a default against my credit.

 

any advice on how to tackle this cowboys please?

 

thanks

James.

[dx100uk]

HI JK

welcome aboard.

 

simple ans is they cant

 

you could write again tto OI

and get the toothless wolves batted away

or let thing run and ignore them.

 

 

 

either ignore then

 

dx

[BRIGADIER2JCS]

This would have been a rolling contract automatically renewed IF YOU DON'T Cancel it, if a used a similar facility..

[jimkay]

I have looked at the original insurance schedule but I can't find anywhere it says it will be automatically renewed, could be in the small prints on internet. I think there is a legislation that says they must make it very bold if insurance will be auto-renewed?

[jimkay]

Hi all, I need some advice please.

I CCA'd a debt collection agency called CLARITY but to my surprise they sent the letter back together with my postal order. They advised me to make the postal order payable to some new name Laser UK(but they share same address).

Are they under their rights to direct me to make payment to another "company" since it is Clarity company that has been disturbing me with default notice for a debt I don't own in the first place?

 

thanks

[dx100uk]

they cant serve a DN unless they OWN the debt

 

tell us more about the debt

 

is it on your CRA file?

 

dx

[dx100uk]

2 threads merged

 

please keep to one thread.

 

dx

[dx100uk]

get your cra file please

 

see below

 

dx

[Bazooka Boo]

It is usual nowadays for Ins to be auto renewed at the end of the Ins period unless you inform them you no longer need it, it's quite well hidden in the small print, or will be glossed over in the phone conversation.

 

What was the cooling off period? 14 days?

Either way you returned the cover note (or whatever) they will be very hard pushed to make this stick.

[jimkay]

thanks DX for merging the threads.

the cooling off period was 14 days but i was on holiday then so i did not return back their renewal schedule till 3 weeks after, but I have already renewed elsewhere even before I went on holiday.

I have my CRA file , and the only entry there is a Trace enquiry under "other searches" by Clarity which Equifax has assured me will not affect my credit.

[dx100uk]

no it wont

 

so clarity can go swivel then.

 

they are a dca and rather low life too

 

they are NOT BAILIFFS

and have NO SUCH LEGAL POWERS.

 

threat-o-gram

 

treat it as you like

 

as for the CCA, no point really.

 

dx

[ice22]

If you are able to send evidence that you have taken out insurance with somebody else with a covering letter they should refund you. I know of case where they have fully refunded customers when this has been provided.