Issue with Capita

[nunkychunky]

Hi folks,

 

After the episode I recently had with Lowells (got the SD set aside) a smaller, but equally niggling issue has come about which I would appreciate some guidance.

 

It relates to a car insurance policy I had for a project. The policy was with Lancaster Insurance and the annual premium was for around £85, the premiums were around £7 a month.

 

Earlier in the year I sold the car due to a lack of time, and there were around 3 instalments left on the policy (around £25 in total).

 

Perhaps very foolishly on my part, I cancelled the direct debit but Lancaster came back trying to hit me with a £50 cancellation fee.

 

The matter went quiet for a while whilst I furnished proof of the date of sale, and Lancaster (very generously) have reduced the final balance by around £4.

 

The problem is that Capita are now trying to extract nearly £130 out of me. I have asked them for a breakdown and told them that the sum is disputed and amounts to nothing more than exploitation.

 

Now having the benefit of hindsight I should have just left the policy to run its course and simply not renewed but is there any way of fighting this?

 

Thanks

 

NC

[BRIGADIER2JCS]

I think you'll have to pay up personally, but certainly wait for a breakdown from Capita.

 

Were the premiums paid monthly under a Consumer Credit Act 1974 regulated credit facility the may be a clue in the agreement about charges.