budget car insurance stress!

[lollipinkpop]

help. last year i had car ins with budget. WORST MISTAKE !!!

my partner also had car insurance with them.

i was paying by DD each month. in october my car was sorn as it needed repairing with no cash to do it so we were down to sharing our other car.

i heard nothing from budget until december when they send renewal notice which i rang them about and told them the price was way to high and that i would go elsewhere. therefore my policy was complete and i decided at the time it would be cheaper to be a named driver on our other car just until my car was fixed back on the road. my partner rang budget to request this and they told him that i couldnt be a named driver as i had points. but they had just insured me for a full year on my own policy. besides which my license is actually clean im just stuck in the 5 year thing where you have to declare points.

my parnter told them that was ludicrous and because of this he would have to go elsewhere so that i could be on the insurance. they told him he wasnt allowed and if he did that they would start chargin him cancellation fees of ridiculous amounts that changed with each different person he spke to. He told them that in effect they were holding him to ransom. they wouldnt provide what he required so he needed to go elsewhere to get that service but they would stink him heavily if he did so.??

anyway he told them to stuff it and cancelled. they are now trying to charge him the money that was left on the policy which is in dispute with DLC debt collection agency.

Just when we thought that we had started to get it sorted a letter dropped in for me from guess who.... BUDGET... in MARCH. telling me i oweed them £99 for unpaid installments, which i was not aware they had not recieved as i had no contact from them other than a renewal notice. I rang them on an 0870 number to be told that it wasnt their fault . they had just come across it and send the letter and i had to pay. i told them no way after the farse we had with them already and the fact that the letter says the policy was cancelled at my request. THE POLICY EXPIRED. i did not cancel it. and the fact that they offered my a renewal and i spoke with them and nothing was mentioned. and most of all i rung them the other day to get a copy if no claims proof as now with another insurer THE AA , probably another major mistake, and they sent it out no questions asked. then i got calls from debt collectors and i told them to get stuffed because i was disputing with budget. and now i have another letter EXACTLY the same as the march one saying i owe "£99. the letter states that if i have insured car elsewher they mite recude it so it is obviously just a threat to try and extract money from the customer. i either owe it or i dont. seem they make it up as go along once again.

i am at a loss rite now as to the next step ?? can anyone at all out there give me some sound advice that will tell budget to get lost ???

i refuse to pay them anything as this is there mess up not mine......!!!!!

[isplumm]

Hi,

So let me clarify this:

1. You had car insurance with Budget - paid for by installments - when renewal due, decided not to renew & told them that.
2. OH had the same - but his was not finished - policy still had some months to run - they would add you to policy mid-way. So he cancelled part way through contract.
3. Budget charging for rest of contract.
4. Budget now say you owe them money for your contract - cause they renewed.
5. Both of you being chased by baliffs or DCs.

Correct?

Questions -
1. When you originally took up your policy, did you sign something saying they would automatically renew?
2. When you told them you were not going to renew - did you get name of person? Do you remember date of conversation? If so, see whether they have recording to prove you told them your were going to cancel - did you cancel after renewal date? Did you miss any payments before renewal?
3. OH - did he cancel before term up? What did they say?

For you renewal, I would tell DC & Budget that you didn't renew, you told them that & suggest see them in court ... assuming that you did tell them before hand - maybe check t&cs - see what they say.

As to OH, well normally you cann't just cancel, as you have signed a credit agreement with them & so owe them money ..

I am sure that there will be people on here who can advise you better, but hopefully I have given a starter for ten.

Mark

[Lemonade Pockets]

You owe them for the whole of your policy, you will need to check you bank statements to see if you paid them the correct amount. If you have short paid then you still owe that money irrespective of any disagreements or mistakes made.

Your husband (generally speaking) will owe them pro-rata for the insurance they provided. Again you will need to check your bank statement to see if you paid for the insurance provided. You will also owe them for any cancellation fees made clear when you took the policy out + any that are specific to credit agreement. Your OH will have recieved a load of crap when he took the policy out all the charges should be listed in that paperwork.

If you have paid them all of these, you can either just ignore them until there is some sort of legal action or contact CA or a solictor to find out what you can do to shut them up before it gets that far.