We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help! Being Charged For Things I Haven't had in 10+ Years!
Options

xTheDonx
Posts: 2 Newbie

in Phones & TV
Hi everyone, the situation is this. Phones4U sold me a phone when I was a teenager of about 16 that came with phone insurance. I am now 29, and they went bust long ago. With that phone came an insurance policy, that i cancelled YEARS AGO when I was with HSBC. Some years later (still early 20s at this point) I discovered they were charging me "Policy Admin Servs" every month without my permission. I cancelled it again, and was angry about it but didnt have the time to deal with it. They have since, been fined £2.8m by the Financial Conduct Authority for just this thing. Now, in 2022, I check my new bank - Halifax - and find out they are charging me here for something i havent used in years and have cancelled twice! What can I do, and how do i get back the now over £1000.00 they have taken from me over the years?
0
Comments
-
Who is 'they' that are charging you? Which insurance company?
As for stopping the payments, you log onto your new bank (Halifax) and cancel the direct debit. If it is not a DD but a CPA on your debit card then you ask Halifax to cancel the CPA.
To (try and) get the £1000 back you contact the insurance company and raise a complaint.0 -
Cancelled with whom? The insurance company or your bank? You should do both. And do you have proof of having cancelled it?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇0 -
How did the DD get setup at your new bank? How long has it been being paid by them without a clear authority? If there is a possibility of fraud or bank negligence, then the DD guarantee may apply, and you may be able to get a backdated refund.0
-
Cornucopia said:How did the DD get setup at your new bank? How long has it been being paid by them without a clear authority? If there is a possibility of fraud or bank negligence, then the DD guarantee may apply, and you may be able to get a backdated refund.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
Brie said:Cornucopia said:How did the DD get setup at your new bank? How long has it been being paid by them without a clear authority? If there is a possibility of fraud or bank negligence, then the DD guarantee may apply, and you may be able to get a backdated refund.1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards