central recoveries

happymoneysaver79

wondering if anyone has any suggestions on how to proceed with this:


I had free breakdown cover with the AA after taking out another policy. They decided to continue to cover me for the following year despite a phone call asking them not to do so. Unfortunately they had taken £58.24 from my account and were refusing to refund me as they said they had no record of me cancelling so I told them that I would go to my bank and get the money back that way, which I did.


Fast forward almost a year and central recoveries have written to me requesting £58.24 on behalf of the AA. I have gone back through my statements and found that they had also refunded the money despite saying that they wouldn't.


The letter is a final notice demanding that I make the payment within 72 hours otherwise they will take action to recover the amount. They are not open today for me to call them so I was wondering if they are within their rights to recover this money as it was obviously their mistake? Do they normally allow small repayments to pay it back? I can't afford to pay it all.


any help would be gratefully received.


Thanks x

fatbelly

Your first paragraph says that you didn't owe them the money. Your third says you are going to pay it back in instalments.

I think you need to decide one way or the other.

ValHaller

fatbelly wrote: »

Your first paragraph says that you didn't owe them the money. Your third says you are going to pay it back in instalments.

I think you need to decide one way or the other.

I think what has happened is that the AA refunded and OP also had the DD reversed - leaving OP up by £56.24.

If that is correct, OP should settle this.

[Deleted User]

Tell em to swivel, nothing is going to happen for £58

Karonher

Deleted User wrote: »

Tell em to swivel, nothing is going to happen for £58

Something is already happening - there is an agency involved and it could go further. Is it worth having a mark on your record for £58 which you do actually owe?

Naf

'central recoveries'? You mean an external firm, or is this just from a department of the AA?
Ignore the 72 hours, its nonsense. Write directly to the AA and complain that instead of contacting you about their error politely, they have passed your details to a external agency. Tell them that now the error had been brought to your attention and you have had time to investigate, you will be happy to repay them once you receive written assurance that their error will not negatively impact you or your credit file in any way.

The_AA_Company_Representative

happymoneysaver79 wrote: »

wondering if anyone has any suggestions on how to proceed with this:


I had free breakdown cover with the AA after taking out another policy. They decided to continue to cover me for the following year despite a phone call asking them not to do so. Unfortunately they had taken £58.24 from my account and were refusing to refund me as they said they had no record of me cancelling so I told them that I would go to my bank and get the money back that way, which I did.


Fast forward almost a year and central recoveries have written to me requesting £58.24 on behalf of the AA. I have gone back through my statements and found that they had also refunded the money despite saying that they wouldn't.


The letter is a final notice demanding that I make the payment within 72 hours otherwise they will take action to recover the amount. They are not open today for me to call them so I was wondering if they are within their rights to recover this money as it was obviously their mistake? Do they normally allow small repayments to pay it back? I can't afford to pay it all.


any help would be gratefully received.


Thanks x

Hello happymoneysaver79, this is something that we would like to look into for you. Please can you email the details including your full name, address and membership number (if you have this) to [EMAIL="chat@theaa.com"]chat@theaa.com[/EMAIL] with Reference FOR59274. Regards, The AA

[Deleted User]

won't go further..they just trying scare tactics as usual. I once had a letter from some solicitor headed 'Letter Before Action'..lol the debt was for £31. Sent it back writing on the envelope where they can shove their letter.(Hint, a place where the sun refuses to illuminate therein).

fatbelly

Deleted User wrote: »

won't go further..they just trying scare tactics as usual. I once had a letter from some solicitor headed 'Letter Before Action'..lol the debt was for £31. Sent it back writing on the envelope where they can shove their letter.(Hint, a place where the sun refuses to illuminate therein).

Reminded me of this ...

[Deleted User]

lol, first time ive laughed out loud for a long time.

lucy03

Deleted User wrote: »

won't go further..they just trying scare tactics as usual. I once had a letter from some solicitor headed 'Letter Before Action'..lol the debt was for £31. Sent it back writing on the envelope where they can shove their letter.(Hint, a place where the sun refuses to illuminate therein).

It is unlikely that a debt collector would take action over a small debt but it would be more sensible to ignore the issue than send offensive letters in a bizarre attempt to goad them. It is unlikely, but possible, that the debt might get returned to the AA who then pursue the matter via the courts if money has been taken from them twice.

Personally I'd repay the money if it's been double refunded to save the hassle of the AA and debt collectors. I agree with naf, contact the AA and ask to pay in instalments on the understanding they haven't negatively impacted on your credit record.