unauthorised money taken

edited 31 March 2020 at 7:02PM in Reclaim Bank & Credit Card Charges
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MrfoxxMrfoxx Forumite
2 Posts

I would love some advice. I was with car insurance company (right choice insurance brokers) yet cancelled within a month of starting the policy due to poor service with then constantly threatening to cancel my policy ( due to apparently not providing the documentation even though i had numerous times) 

Today I noticed. I have a pending transaction from them. I phoned up and they made nothing but excuses, they said it is the cancellation fee and they had sent a letter via recorded delivery (they haven't) This is not a direct debit but a charge on my card. They have retained my card details and took payment, I believe without authorisation. Looking back, I had an email from them regarding the cancellation of the policy and noticed that right at the bottom, in small print stating they would charge me card. Is this something they can do without my consent?

Replies

  • McKneffMcKneff Forumite
    38.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    You agreed to the terms and conditions,  in your origina
     Agreement.
    It will be there but you havent read them thoroughly.

    Nothing you can do 
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • HasbeenHasbeen Forumite
    4.4K Posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper


    Mrfoxx said:


     They have retained my card details and took payment, I believe without authorisation. Looking back, I had an email from them regarding the cancellation of the policy and noticed that right at the bottom, in small print stating they would charge me card. Is this something they can do without my consent?


    You gave them consent when you agreed to the terms and conditions. And they even sent you an email stating this and now your surprised?
    The world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon
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