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    • Kayalana99
    • By Kayalana99 3rd Dec 17, 10:14 AM
    • 3,383Posts
    • 6,051Thanks
    Can you cancel a contract via e-mail legally?
    • #1
    • 3rd Dec 17, 10:14 AM
    Can you cancel a contract via e-mail legally? 3rd Dec 17 at 10:14 AM
    Hopefully the right section.

    We've sold our house and trying to cancel the house insurance but they just don't answer the phone. We've rang more then 50 times now and the one time we got through we got told they would call us back as we got put through to the wrong department and they didn't.

    We sent them an e-mail before the last payment went out to cancel (only £15 but in my eyes we have rang them and told them we want to cancel, and e-mailed them an official cancellation so we shouldn't of had to pay that last payment)

    Can we cancel the direct debit or do we need to send something officially in writing?

    We are allowed to cancel as per our contract but there is a £35 charge so if the e-mail is 'legal' I would be tempted to send them a letter with a cheque minus the £15 and cancel the DD?
    People don't know what they want until you show them.
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    • unholyangel
    • By unholyangel 3rd Dec 17, 1:19 PM
    • 11,897 Posts
    • 9,159 Thanks
    • #2
    • 3rd Dec 17, 1:19 PM
    • #2
    • 3rd Dec 17, 1:19 PM
    What does it say in the T&C's with regards to cancelling? Do they allow cancellation by email?

    What company is it and what phone number are you dialling? Even if your email cancellation is valid, its possible the payment taken would be due anyway depending on what period of cover it relates to.

    Don't just cancel your DD. If you are paying in installments for insurance then you will have a credit agreement - failing to make payments can result in defaults being recorded on your credit history.
    Money doesn't solve creates it.
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