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Unauthorised debit by Churchill insurance

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Churchill have taken 2 amounts from my credit card totalling over £500 for insurance I have not requested. These are the only 2 erroneous transactions on my card, so I am thinking it is their fault, though they will not tell me much. I always pay my CC in full, but shall I not pay these amounts, and incur interest while Churchill decide they are not the ones being ripped off, and hopefully claim it back from the them, or pay the bill in full, thereby accepting the charge, Mastercard were very ambiguous on this point when questioned?
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  • Jonboy_1984
    Jonboy_1984 Posts: 1,226 Forumite
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    Have you rung the bank that issued your card to put the transactions in dispute?
  • mrcow
    mrcow Posts: 15,170 Forumite
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    Why did churchill have your card number? Was it for a previous policy renewal? How far apart were the debits made?
    "One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
    Because by then you've blown your chances. That's it."
  • Browntoa
    Browntoa Posts: 49,334 Forumite
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    Auto renewal of insurance I would say
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    Long term forum member
  • wimmer
    wimmer Posts: 21 Forumite
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    Yes have disputed the transactions with mastercard, but as I say they are vague about paying it off, and interest charges. Yes I took out legitimate insurance from churchill 2 weeks prior, (for £150)! And the CC statement shows it for an auto car renewal, which every year I tell them they are not authorised to do, but every year they still think I want to automatically pay over the odds.
  • grumbler
    grumbler Posts: 58,629 Forumite
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    wimmer wrote: »
    ... Mastercard were very ambiguous on this point when questioned?
    Firstly, it's the card provider, not Mastercard.
    Secondly, if you report the transactions as fraudulent/unauthorised they have to refund them at least for the time of investigation.
  • wimmer
    wimmer Posts: 21 Forumite
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    I thought it would be easier to say mastercard - obviously not.
  • jonesMUFCforever
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    OP - if you did not specifically cancel the insurance on renewal then they will argue that it was authorised.
    What you say about telling them not to auto renew is irrelevant - if you accept their policy you may have to accept this term.
  • wimmer
    wimmer Posts: 21 Forumite
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    Yes I rang to cancel the auto renew. I always do. This amount would have been £185, not £500!
  • sharpy2010
    sharpy2010 Posts: 2,471 Forumite
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    wimmer wrote: »
    Yes I rang to cancel the auto renew. I always do. This amount would have been £185, not £500!

    If theyve taken it anyway, the simplest thing to do would be to phone the insurance company back and tell them to refund the money.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    wimmer wrote: »
    Yes I rang to cancel the auto renew. I always do. This amount would have been £185, not £500!

    Should have done it via post to cover yourself.
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