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Insurance company credit card query

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  • Ectophile
    Ectophile Posts: 7,979 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Read the section headed "Cancelling a regular card payment" here: http://www.fsa.gov.uk/consumerinformation/product_news/banking/know_your_rights/payments (it's at the bottom of the page).

    Then contact your bank and instruct them not to make any further payments to the insurance company. They must do this.
    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
  • unholyangel
    unholyangel Posts: 16,866 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You can also use the Data Protection Act to enforce your position.

    When writing your letter, tell them you are withdrawing your permission (implied or otherwise) for them to process your data (in other words, your card details) effective immediately as you were only making a one time payment on behalf of your then partner and that the card details should never have been stored for CPA.

    You can also cancel CPA's with your bank (although I believe some banks will wrongly tell you that you cannot, but if you look at financial ombudsman, they ruled that customers should be able to cancel CPA's directly with their bank).

    Remember to send both letters (to bank and insurance company) recorded delivery and also keep a copy for your own records should you require them.
    You keep using that word. I do not think it means what you think it means - Inigo Montoya, The Princess Bride
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    There is no need to send them by recorded delivery, in fact it can cause problems to do so. You simply need to get a certificate of posting when you send it at the Post Office which is free.

    The immediate concern is to cancel the CPA with your bank. Do this by phone! Back it up with a letter if you wish.

    You could write to the insurer but to be honest, if the bank blocks payments to them then it is basically job done anyway.
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