Nightmare from Car Insurance.

lisyloo

I've never signed anything although them send me pretty much everyday a copy of their terms and conditions also their credit agreement asking me to sign it and post it back so "Everything can be in place".........

Why don't you go back to the website (being VERY careful not to sign up to anything) and check exactly what you agreed to.
You may find a link that says "Terms and Conditions" that you can click on.
This might be the quickest way to be certain whether you agreed to anything or not, although of course you have to be careful not to sign up again.
You can always get the chance to read the Terms and conditions before signing up so you should be able to do this,

Yes I did click on pay monthly and paid a deposit. But if this was as good as me signing why do they post me daily and phone me up asking me to sign and return the credit agreement and the form of me accepting their T&C ?

Maybe they like to have paperwork as well.
Given that you have paid a deposit then it seems like you have agreed to a contract.
But you need to look at the terms and conditions to see.
What website is it?
Maybe if you post the link then others can take a look and see what they think.

Corking

Your right to cancel your insurance

You have a right to cancel any insurance you buy through us and to recover any payment made (except as stated below). You can do this by giving notice to your branch (whose address is shown on the covering letter) within 14 days of your receipt of the policy document.
If you do exercise this right to cancel your insurance, you will be charged by the insurer for the service provided up to the point of cancellation. We will also make a cancellation charge of £50.00 except as shown in the ‘service charges’ table overleaf. You will not be entitled to a refund of the service charge or credit card handling charge made by us for arranging your insurance.
Further, if you exercise this right to cancel your motor insurance, any Driver’s Legal Protection you hold will also be cancelled.
Similarly, if you exercise this right to cancel your home or property owners insurance, any Household Legal Protection or Landlords Legal Protection you hold will also be cancelled. In both these cases, you will recover any payment made in respect of these products provided the cancellation right is exercised within the 14 day period mentioned above.
If you do not exercise this right to cancel, any remaining cancellation rights will be as set out in the policy document. If your insurance is a travel insurance lasting less than one month, you do not have a right to cancel it except in accordance with any terms shown in the policy document.
If we have given you a discount off your premium at inception this will be deducted on a pro rata basis from any refund due to you on cancellation of your policy at any time. In addition any cash back received will be deducted from any refund due.
Where a cancellation or other transaction results in a premium refund being due to you, that refund will be reduced by any service charge and any other sums you owe in respect of the policy




Failure to return signed Credit Agreement within 14 days £12.00
We will apply this fee to your account and collect it by increasing your monthly payments in the first year of this agreement by an equal proportion of the fee.




Looks like they have me by the shorts. As I notified "Diva" who I brought the insurance from not the Swinton branch that they passed on my business too.

I guess a lesson learned Read T&C more carefully

Corking

I suppose that answers my question myself...... The only come back I would have if they decide to get in contact again is that I've agreed to their terms and conditions but I havent signed the credit agreement.

Ah well will have some fun and games with the "customer support" I'm sure.