Debt Collector Advice? Disputed Account!

quailpower

Hi,

I took out car insurance in Jan 2012 with right choice insurance. I definately did not make the right choice.

I phoned them to cancel on 17 May 2013. They told me I needed to send them an email with the policy number and my details to ensure the policy was canclled. I did this them phoned back. They told me they had recieved the email, and that the policy would be cancelled with a charge of over £300. I argued this as I had my policy documents in front of me, and there was no charge for early cancellation. Escalated to management who advised they had closed the account with no charge.
Happy with this I went on my way.

I moved from cumbria, and as a result did not check my Cumberland account often, as there are no Cumberland banks in merseyside.
It was only when I was visiting friends in keswick I saw that £200 had been taken out!
They had carried on taking my direct debit for 3 months!!

I phoned my bank and told them the Direct Debit was not there with my permission, and they refunded it to me immediately, but now Right Choice are persuing me for the £200 saying my policy ran until August. I have the email proof of the date I cancelled, yet they are claiming to not have received it and that they have no records of my call!! I scrapped the car in May and they wont even accept that as proof.

Now theyve sent it to a debt collector.
What on earth do I do??

Ruln

How is it you contacted them?

I always find when I have issues like this with big companies that sending an actual letter, with all the information you have such as a print out of the email you sent and approximate times and dates you called plus the number you called off will help.

I'm unsure what to do about the legal aspects but to get them to actually look into it I would definitely write a letter.

happy_bunny_2

Yes, write them a complaint and tell them that if they don't deal with it they had best send you details of their escalation procedure or you will be going to the ombudsman.