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Please Help

LadyVM
LadyVM Posts: 8 Forumite
in Insurance & life assurance
I received a letter from a car insurance company today, stating that I owe them £256 for a cancelled policy. I have only used this company once, about 5 years ago and I have never owned the car that the policy was covering.

Please help I don't know what to do :(
«1

Comments

  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    drop it in the bin?
  • LadyVM
    LadyVM Posts: 8 Forumite
    They said I had 14 days to pay them or they would contact a debt collection agency :mad:
  • farquarpigmix
    farquarpigmix Posts: 274 Forumite
    Part of the Furniture Combo Breaker
    Ask them for proof in writing.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes, ask them to provide proof.

    (and dont destress by having a fag mind)

    Well done for giving up smoking..........................
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • lisyloo
    lisyloo Posts: 30,113 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ask for proof but do not acknowledge the debt.

    Have you moved by any chance?
    I'm just wondering whether you had a policy on "auto-renew" and you didn't get the letters and didn't pay and eventually they cancelled it through lack of payment.
    Another alternative is that it's a mistake and you do not owe the money.

    But they need to prove it.
  • mikey72
    mikey72 Posts: 14,680 Forumite
    It's unlikely to be auto renew if you never owned the car.
    Contact them, deny the debt, and ask for details as to why they belive it was you. Put any communication in writing, even if it just to confirm a phone calll.
    Post back up if you need more help after.
  • packet04
    packet04 Posts: 16 Forumite
    Ask them for proof that you owe them that amount of money but don’t acknowledge it, they should provide you with full info on how you got that debt in the first place.
  • packet04
    packet04 Posts: 16 Forumite
    Ask them for proof that you owe them that amount of money but don’t acknowledge it, they should provide you with full info on how you got that debt in the first place.
  • huckster
    huckster Posts: 5,590 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    LadyVM wrote: »
    I received a letter from a car insurance company today, stating that I owe them £256 for a cancelled policy. I have only used this company once, about 5 years ago and I have never owned the car that the policy was covering.

    Please help I don't know what to do :(

    Quicker and easier to phone them making a complaint that they are chasing for a premium in respect of a car you have never owned. Either they have made a mistake or someone has been Insuring a car in your name.

    Don't forget to check your credit record with the credit reference agencies, just in case the debt has been noted. Experian and Equifax offer free trials, if you remember to cancel before you end up in a subscription.
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
  • kingstreet
    kingstreet Posts: 39,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OP hasn't been back since she registered and posted this on 7 May, so you might be wasting your time.

    Fair comment for anyone searching a similar situation to theirs, though.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
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