Double payment on car insurance

londongirl1984

Hi, i hope someone can help me.

i was insured with Diamond, but due to my payment defaulting, they said i had to pay the rest of the premium upfront £500+) or find another insurer. So i took out a policy with admiral today (who are part of the same company).

Everything was fine, got my quote and gave the operator my card details to take my deposit as i need to pay it monthly. i was told my deposit would be £125. i've checked my bank balance online, and i've had £125 taken out, PLUS a payment of £120 (which is my monthly premium - high i know).

Anyway, i called admiral because a) i hadnt been told that i'd need to pay a deposit and another months premium, and b) because i'd never authorised them to take out 2 payments.

I spoke to them, and first they said they hadnt taken anything out. then they said they'd taken £120 as my deposit, but deny they've taken out the £125. they looked on my diamond file, and said it could have been them.

the problems with that is:

1. on my online statement it says 'direct debit payment' - it doesnt yet say who to.
2. i'd cancelled my diamond direct debit which was also for £125 this morning, and they'd explicitly told me they would not take money out of my account to continue my policy (pay 500 or nothing). they dont have my card details and so cant take a 'debit card payment' only a dd.

i called my bank and they cant tell me who has taken the payment yet, but my issue is that if diamond have taken it out - how? they only had details for a direct debit, not 'debit card transaction'. i'd only given my card details to the admiral guy, and i havent used my card anywhere else.
if it turns out to be admiral or diamond and not some other type of dodgy fraud, will they automatically pay this to me? if they try to refuse, can i do anything about it?

when i took out my policy they said i needed to pay the deposit and then 10 monthly payments, but not a deposit and a months payment at the same time.

thanks

dogbot

You need your bank to tell you exactly where the payment has gone because you do not know what the payment is for. Then you can go back to the insurer if it was them and ask them to explain exactly what the charges are for.