AA took my money

dithedancer

Hi. Hope someone can help. Three years ago I was with the AA . I received a renewal quote from them which I wasn't happy with so asked for a quote from RAC which I took. I cancelled the AA even though they said they could better RAC, but I didn't take it because I felt they were ripping me off. The following year I received membership cards from the AA, I phoned them to ask why, they said to forget about them as it must be an automatic thing. I got another card in the post yesterday the letter said they would take my money from my credit card account, I don't spend on this account only in emergency so I don't check it but must have given it to them when I first became a member. How do I reclaim my money back for the last three years with no proof of cancellation. I checked my statement for last year and over £300 was taken out.

YorkshireBoy

Why haven't you read your credit card statements? If you're paperless why didn't you act on the emails asking you to read your statements? Why haven't you received default letters because you haven't paid the credit card bill?


I don't think you stand much of a chance of getting the money back I'm afraid. Even though chargeback allows 120 days (or whatever) from becoming aware of an incorrectly applied transaction, the card company would argue you should have checked your statement more regularly (indeed, this may even be stated in your T&Cs).

dithedancer

Why should I get a default letter if I have been paying my card off. I know when I have used my card in an emergency and pay it off as quickly as possible. An extra £300 wouldn't show up as much in a monthly dd so it got missed. Buts thanks for the advice about t&cs. Didn't think that if I cancelled something I had to check every year if it's cancelled.

redcard

So you only used the card in an emergency, but never noticed a monthly payment coming off your bank account?

Did you have a lot of 'emergencies'?

YorkshireBoy

dithedancer wrote: »

Why should I get a default letter if I have been paying my card off. I know when I have used my card in an emergency and pay it off as quickly as possible. An extra £300 wouldn't show up as much in a monthly dd so it got missed.

Your post read as though this card was only used for emergencies only, and as such wasn't carrying an interest bearing balance (which you were servicing by blindly paying by minimum payment DD)...which to some extent makes it even worse. What if some fraudulent transactions had been put on the account over the last 3 years? How on earth would you get the money back for those now?


I don't think you've any chance with the card provider (under chargeback). Your best approach would be to complain to the AA, including copies of the cover you had in place with the RAC, citing your cancellation phone call all those years ago and the conversations you've had with them since.


And for goodness sake start checking those monthly statements!

dithedancer

I don't pay minimum dds I had used it when my boiler broke down and more or less paid it off in two lots then washing machine broke down then shower broke each time paying chunks off. Anyway I don't see what this has got to do with trying to reclaim something I had cancelled.

YorkshireBoy

dithedancer wrote: »

Anyway I don't see what this has got to do with trying to reclaim something I had cancelled.

It doesn't, but I've already suggested a suitable approach for that. The other bits are to try and get you to manage your finances more closely, because prevention is always going to be better than the cure...as you have found out to your cost with the AA issue.


Best of luck.