NOT accepted insurance T/C

[joobie01]

Allo to everyone, yet another NEWBIE,

have only just realised that 1st central are taking 2 direct debit payments out of my bank every month, however i cancelled the 1st one when i rang to change my vehicle details as i had sold the 1st car ( clio) & had exchanged it for a polo. it was only by chance when i was looking at my on line bank stats that 1st central were appearing more than they should & have been taking 35 quid out on the 5th of every month & 56 quid on the 28th of the same month. i back tracked the lot & they obviously had not cancelled the clio & continued taking the D/Debits but have allowed me to insure the polo which would have been on a 2nd car policy if i hadnt cancelled the clio. when i looked at my policy on line there was a big note saying i hadnt accepted their T/C for instalments on the clio & told me to do so asap well i havent accepted as i presumed they had cancelled it.when i informed them to, so from march this year i have been paying for 2 cars, one of which i dont now have, (plus i cant drive 2 at once !) will i be able to claim the clio payments back as it is no fault of mine & is an error on their part. hope this makes sense

ps bit irrelevant but the pound sign on key pad int working!

[BankFodder]

Yes, you will be able to claim it all back but rather than cancel the DD, the best thing to do is to clear it up with them first. If you just cancel the DD - and they don't appreciate what has happened then they will go into debt recovery mode.

 

Give them a call and explain what has happened. Make sure you record the call. Tell them that you want the matter cleared up and you want your money back.

Confirm the conversation in writing.

Come back here and tell us what has happened and we'll see what more help you need.

[joobie01]

Ar, thank you for your reply, i agree & will take your advice & go softly softly & see what happens. your reply has given me the confidence i was lacking . will let you know the result cheers again

[joobie01]

hi, just a quick update, after speaking to 1st central, i sent the proof of sale for the clio as requested & its sounding promising that i will get a refund for the 8 instalments. darn"t get too giddy until its actually in my bank account but bygum it would be brill for xmas. let you know final outcome hopefully tomorrow. TY again,joobie

[joobie01]

final outcome. 1st central ave issued me the full 8 months of instalments however it might take 10 w/days to clear which takes us to xmas day! lol but hey rather that than getting zilch.