Transaction taken without my consent

jtmaybury

Hi, I have just had my car insurance take two transactions. One for the monthly instalment and a £65 charge as they say they have cancelled my policy and that the monthly charge was for last month that wasn't paid. I have called my bank and they say they cannot re call the £65 as it was taken using my card details (which I gave when I set the policy up 12 months ago). What are my rights and what can I do about this unapproved transaction?:(

noh

But it is not unapproved. You gave them your approval to charge your card when you entered into the insurance contract.
Are you saying you don't owe them the money?

jtmaybury

Hi noh,

I did, but they have taken the outstanding payment and then the extra £65. I only gave them my card details when I set up the policy last January when paying the deposit to open it as you have to.

GlamGirlie

I think you will find if you read the T&Cs carefully that by accepting the policy (i.e. by not cancelling it within the cooling off period) then you are effectively authorising the transactions.