Disputing a debt Help please

minicooper1961

Hi all

I'll try and stick to the bare bones but my whole situation is very complex but this query is just about a very tiny fraction of it but if i can get it sorted asap then it is one less thing to worry about.
I left my husband for various reasons and the whole thing is very acrimonious but he did say he would help out financially with my motor insurance { I shouldn't have fallen for it, hindsight is wonderful} I obtained a quote {which was very expensive as the car was being imported from Spain} anyway all I obtained was the quote and then gave the details to husband and asked him if he could get me a temp cover note. Anyway he went ahead and set up a policy and paid the deposit. It has since been cancelled {but not by me as I never set it up!} I have received a credit agreement which I have not signed but they are now chasing me for for two hundred and sixteen pounds! To quote from the letter,
" After taking into account any refund of premium from your insurance company and any balance owing on the finance agreement there is a final balance of 216.00 to pay"
Can anyone help {I have been advised to file for BR by the CCCS- which I have been forced into by ex OH - which I will so I know I can take this with me but I would rather sort it now}

Thanks for listening xx

minicooper1961

Just giving myself a bump:)

Fiddlestick

Have you asked the finance company to send you a copy of the original credit agreement that they allege you signed and agreed to?

minicooper1961

Hi Fiddlestick

Thanks for reply, the credit agreement is still sitting in my kitchen, unsigned. They will have no paperwork unless my husband has forged my name {which he has done before - but it is my understanding he set up the policy on the phone - he used his bank details and they accepted them - to get the business I guess} They { neither the broker,the credit company or insurance company have any of my financial details only a copy of my previous insurance renewal details from Spain - which they said wasn't sufficient for no claims purposes anyway}

Cheers xx

minicooper1961

just bumping again before I disappear off the page:)

minicooper1961

I have in front of me the original credit agreement {the one that I haven't signed} at the top it says this agreement is made between *(^%## andthen it has my name} at the bottom where the direct debit instruction is it has all my ex OH details Bank, sort code etc.
Hope this helps as it is stressing me out - I now have email saying if you don't pay we will get a CCJ and bailiffs etc..... Hope someone can help xxx