Direct debit reinstated without my permission

grumbler

It is me who should have asked you for the proofs for your groundless statement. It's just common sense really.
However, if you insist,

Money shouldn't be collected from your account after you have cancelled and under the Scheme rules, an organisation would have to obtain your authority to reinstate a cancelled Instruction.

http://www.directdebit.co.uk/DirectDebitExplained/Pages/Cancellingpayments.aspx

CLAPTON

are the insurances yearly or monthly (irrespective of how they are paid)?

zerog

So you have no proof that they received your letter?

alanq

Has anything changed in the past few years? It certainly used to be the case that if you didn't go with the insurance policy recommended by the company providing the mortgage you had to get prior approval for the policy that you did wish to take out - for which there was a fee. The mortgage company needs to ensure that their investment is adequately protected.

grumbler

zerog wrote: »

So you have no proof that they received your letter?

This is OOT.

Proofs matter only for establishing the fact whether the policy was cancelled or not and whether there was any money owed.

Unauthorised reinstating of the cancelled DD has nothing to do with this.

grumbler

alanq wrote: »

Has anything changed in the past few years? It certainly used to be the case that if you didn't go with the insurance policy recommended by the company providing the mortgage you had to get prior approval for the policy that you did wish to take out - for which there was a fee. The mortgage company needs to ensure that their investment is adequately protected.

I don't think that this was the case about 10 years ago, at least with Woolwich.
And anyway, I keep switching insurers every year without even asking and notifying them. I believe that insurance companies do this themselves.

jonesMUFCforever

grumbler wrote: »

It is me who should have asked you for the proofs for your groundless statement. It's just common sense really.
However, if you insist,
http://www.directdebit.co.uk/DirectDebitExplained/Pages/Cancellingpayments.aspx

Nice one grumbler !:T

thegfb

MPH80 wrote: »

Erm - just a quick thought - what address do they have on file for you?

Sure - they'll have the 'insured' address from the application - but presumably the broker supplied them with your previous address to write to you at?

Is there a postal redirect in place from your previous address? Could their letters be arriving there?

My previous address was with a close relative, and nothing has been sent there

thegfb

mgdavid wrote: »

Cannot say I have much sympathy for someone who doesn't answer phone calls even when the number is recognised. Or someone who wastes companies and peoples time taking out insurance policies just for an easy life. Or expects every communication to be done in writing, my father was like that but he died 30 years ago. I think to a large extent you are experiencing the consequences of your own actions, maybe something to ponder upon.

I didn't want any sympathy, I just wanted an answer to my question.

Who's time have I wasted? !!!!!!, they were trying to sell me something - you make it sound like they were doing me a favour pushing an unnecessary and expensive product on me?

You seem very bitter, you don't work for Countrywide do you?

alanq wrote: »

Has anything changed in the past few years? It certainly used to be the case that if you didn't go with the insurance policy recommended by the company providing the mortgage you had to get prior approval for the policy that you did wish to take out - for which there was a fee. The mortgage company needs to ensure that their investment is adequately protected.

I checked with my solicitor who told me this was not a problem, as long as there was a buildings insurance policy in place.

jonesMUFCforever

The direct debit indemnity scheme will get your money back.

However I hope you did not sign anything with those vulture Countrywide sales people to the effect you would be liable for their commission even if you cancelled.