Cancelled Direct Debit & another was raised

cjw

Hi,

Last year I bought some insurance and the only way to get it at the price I was quoted was to setup a Direct Debit (DD) with the company and let them take the full amount out.

Once they took the money, I cancelled the DD soon after via my bank and informed the inssurers by phone & letter.

I have just found the insurance commpany has raised another DD on my bank account and took the renewal amount last Friday.

I phoned the insurers and they weren't bothered. Will be going to the bank tomorrow.

But where do I stand, because as far as I'm concern I cancelled the DD? I've heard of chargeback, but having read about it, it only applies to credit/debit cards. Is it down to my bank to sort it out, as I didn't give permission for a new DD to be raised?

Where do I go from here, as I need my £250 back ASP?

Thanks in advance.

dacouch

Google "Direct Debit Guarantee" you can claim your money back the same day although the bank may try and fob you off

jonesMUFCforever

There are 2 separate things here.

1 You cancelled the direct debit so you can get your money back from the bank under an indemnity claim.
2 However if you did not formally cancel the policy I bet you gave them permission to renew - now they could charge a cancellation fee to cancel.

cjw

jonesMUFCforever wrote: »

There are 2 separate things here.

1 You cancelled the direct debit so you can get your money back from the bank under an indemnity claim.
2 However if you did not formally cancel the policy I bet you gave them permission to renew - now they could charge a cancellation fee to cancel.

As I've said, I informed the issuers by phone and letter that I didn't want to renew.

jonesMUFCforever

cjw wrote: »

As I've said, I informed the issuers by phone and letter that I didn't want to renew.

You don't say when you contacted the insurers?
Was it before or after renewal?

noh

cjw wrote: »

As I've said, I informed the issuers by phone and letter that I didn't want to renew.

No. You said you cancelled the DD confirmed by phone and letter.
Did you inform them that you did not want to renew the policy?

Last year I bought some insurance and the only way to get it at the price I was
quoted was to setup a Direct Debit (DD) with the company and let them take the
full amount out.

Once they took the money, I cancelled the DD soon after
via my bank and informed the inssurers by phone & letter.

jonesMUFCforever

OP checked in at 8.41 this morning and we must assume that as he has not posted further that he did in fact not cancel the policy before renewal.
I cannot think of any other conclusion.

cjw

jonesMUFCforever wrote: »

OP checked in at 8.41 this morning and we must assume that as he has not posted further that he did in fact not cancel the policy before renewal.
I cannot think of any other conclusion.

You shouldn't assume anything! Actually yes I did checked in at 8.41am to read other posts quickly before going to the bank.

It turns out that it was a debit card transaction and not a diret debit. The bank advised me talking to the insurers before getting them to start a chargeback. Phoned the insurers, got a different person and she confirmed that I did cancelled the policy AND DD last year before the renewal! So I am getting a full refund!

The reason I haven't posted anything is I'm just back in.

In future I suggest you keep your cheeky comments to yourself!

To the rest of the peple who have commented, thank you:)