Bennetts auto renewal issue

[steve1963]

I have a motorbike which has been insured by Bennets since 2009 however

 

due to lack of use last year I decided to wrap it up and leave it in the garage (not ridden since last summer) So

 

when my new policy came through at the end of August I sent the certificate back with a covering note

explaining I didn't wish to take out the policy as I understood that was what was required.

 

At the end of Nov I noticed Bennetts were still taking money from my account so

 

I stopped the d/d, it wasn't a huge amount £21 a month,

 

since I stopped the d/d they have been chasing me for the money and now are threatening to pass the matter on to a debt collection agency.

 

When I noticed the d/d was still going out I sent a letter asking what they were doing,

I have had no reply to that but today have spoken to them and

 

they claim they have no record of that letter or the return of the cert.

 

I realise I may have little recourse as I have chosen not to find alternative insurance

and just moth ball the bike but feel that I am not in the wrong

and if anything they owe me money as I feel I did what was required.

I am more than happy to stand my ground and fight them but would welcome any advice.

[dx100uk]

quite correct

 

did you get the money back via the DD guarantee with your bank?

 

as for bennets

 

tell them firmly that you cancelled the insurance in writing on DD/MM/YYYY

 

the dca wont have any legal powers so stuff 'em.

 

check your credit to see if its been trashed too.

 

dx

[steve1963]

quite correct

 

 

 

did you get the money back via the DD guarantee with your bank?

 

 

 

as for bennets

 

 

 

tell them firmly that you cancelled the insurance in writing on DD/MM/YYYY

 

 

 

the dca wont have any legal powers so stuff 'em.

 

 

 

check your credit to see if its been trashed too.

 

 

 

dx

 

 

 

No that's my next step I guess, I had almost written the money off and put it down to my own stupidity in expecting them to not take any money but today's call has convinced me otherwise. While I was on the phone I asked if they could have lost the correspondence and the girl said they NEVER lose post:)

[steve1963]

Can anyone point me in the direction of any good threads on dealing with the bank when trying to reclaim unauthorised direct debits.

[Migster]

The direct debit guarantee scheme entitles you to a full and immediate refund if payments are taken in error. Your bank should be well aware of this, so just advise them of the DDs that were taken in error and ask that they refund you as per the DD guarantee. There's some info here http://www.directdebit.co.uk/DirectDebitExplained/Pages/DirectDebitGuarantee.aspx

[dx100uk]

they dd's were not advised, then contract had been terminate by letter xxmts before

 

they rolled it over without your consent

 

the bank must refund them without question

 

dx