Where do I stand with Finance Agreement?

thecoffeeman

Hi All, I recently took out car Insurance with Octagon Ins, monthly payments to Creation on a finance agreement organised by Octagon Ins.

Due to Swinton Ins (policy was with Provident) not issuing my 4 years no claims bonus in time Octagon cancelled my policy, I had contacted Swinton Ins on a few occasions but still have not received a copy to this day. My new insurance wants this within 28 days or they will cancel !!!

Now the policy was cancelled on the 8th of June but Creation took another payment from my account on the 13th of June. They have today sent me a letter stating I owe them more money. Due to the finance agreement not being signed & returned to Creation can they enforce it? I have had no dealings with Creation before now directly or indirectly.
Should I be seeking compensation from Swinton as my policy was cancelled through no fault of my own?

Any help would be appreciated.

Thanks in advance.

Mara69

Have you contacted Creation to ask what exactly you owe them and for what periods?

You can certainly speak with Swinton, but I'd be careful about chucking demands of compensation around at this stage. Did you contact Swinton in writing? Have copies of the letters? Have you escalated their failure to send your no claims proof through their complaints department?

Hope you've sorted insurance some other way.

thecoffeeman

Mara69 wrote: »

Have you contacted Creation to ask what exactly you owe them and for what periods?

You can certainly speak with Swinton, but I'd be careful about chucking demands of compensation around at this stage. Did you contact Swinton in writing? Have copies of the letters? Have you escalated their failure to send your no claims proof through their complaints department?

Hope you've sorted insurance some other way.

Thanks for the reply so quick, haven't spoken to Swinton on the phone but have made a complaint & sent a copy of the complaint to the relevant branch. I haven't mentioned compensation to anyone yet as this only happen in the last week as Octagon didn't inform me that the policy was cancelled on the 8th until the 18th of June so I had been driving around with no Insurance & didn't even know, I spoke to them on the phone too confirm the cancellation & they stated that they had informed me but I have had no correspondence from them to confirm this.

I immediately took out Insurance with another company.

I had originally asked for the copy of the no claims from Swinton Ins via phone but didn't receive in time for the 28 day period that Octagon allowed so they cancelled, Swinton Ins did say they would speak to Octagon to confirm my no claims but Octagon would not accept this.

So don't really know where to go with this now as Creation are requesting more money & don't want it to get out of hand, can't speak to Creation until Monday as received the letter today.