Car insurance - nonpayment letter help

JennG18

Hello everyone

I hope this is the right section... please move it if it isn't!

I am currently insured with Acadamey Insurance, I received a letter at the end of last week from their credit company ING saying that I have missed two payments through direct debit and now have to pay the remaining amount in full before the 20th of November, they claim to have informed me of my missed payment last month... which they didn't I didn't know a thing about it until I got this rather nasty letter last week saying if I didn't pay in full by the 10th they would pass my details to the police and basically accusing me of wanting to drive with no insurances!

the direct debit comes out of my partners bank account, we have having money trouble but he has opted not to receive statements so we had no idea the direct debit hadn't been paid.... like I said we had no previous correspondence from them.

I am in the middle of writing a letter to them to try and explain this... there is no way I can pay the remaining before the 10th and I need my car, I want to offer them the missing payments in full in one lump sum and re-setup the direct debit so that I am up to date...

I am really lost about what to write to them, if I had known this had happened in the first month I would of sorted it out back then!

any help or advice is greatly appreciated!!

thank you

JennG18

hello

thanks for the reply, do you think I should copy this thread over to that board or is that spamming??

I really want to write a letter, more so to avoid embarrassment, I am terrible on the phone and I am pregnant with crazy hormones, I have trouble holding a normal conversation at the moment without bursting into tears

JennG18

thanks!! i'll pop over there now and take a look!!

xx

Alias_Omega

Have you got the cash to pay the 2 missed payments over the phone.?

If so, id make a call, telling them that the payments have come from your partners account, and he cancelled them as he did not know what they were. You did not get the first letter, and hence the phone call about the 2nd.

At this point, if they tell you that they cant help you, maybe suggest then that you shall cancel the insurance policy, and get a cheaper quote from elsewhere, though depending on how far into the policy, and rebates etc.

JennG18

I can pay them, well it will come out of my other half's bank account I don't have my own due to previously being in debt years ago.. its much safer not to have the temptation so closed it down a while back and all the finances run through my other halfs bank account

SPANIEL36

its a bit extreme them passing details onto the police, most of the time and from past experience with the OH, they cancel the policy and this would go against you for future policies as they always ask you if you've ever had a policy cancelled.

it really is better if you ring them and come to some kind of arrangement as they will probably try and fob you off with letters. It will get sorted out quicker too as you wont have to wait on the posties!!

hope you get this sorted out soon and with little hassle