Insurance Clawbacks - Selfemployed Advisor

Misha44 · 12 April 2023 at 2:39PM

Hi, everyone. I need to ask for some help/advice.

A few years back, I worked for six months as an Insurance advisor, with the clawback clause in which I was explained that if any of the policies I sold were cancelled for any reason within the first two years, I would have to give back the commission in total, I was reassured that its around 20% of total earnings. However, after a few months of struggling, borrowing money from friends, and working as a waitress (in secret, as the insurance broker forbade me from taking additional jobs) sold some policies. The money was good if I had clients, but there was no guarantee as I had to call my briefs & family, their friends, and so on. I don't feel that the training was comprehensive; I was taught how to get by and push sales. Unsurprisingly, I have quickly realised that it is not a job for me. I resigned.

The next thing I know is that I owe them over a grand. - at the same time, I'm looking for a job and need to firn an apartment, so I negotiated with the debt department that I will pay 15 pounds a month. All good; I maid of 1/3 in six months, but then..the Pandemic hit. And I couldn't pay, then I forgot about that and eventually moved out from the UK.

Two years later, Im receiving an email that now the debt was tripped and a Question about why I was not responding to their correspondence (quite aggressively) and had 14 days to pay it. I explained that I didn't know that it was so much money. I had not received any emails moved to the EU, no longer in England, as I struggled and asked if that's ok for me to pay 15 pounds again as we agreed previously, and of course, I had to question why they never told me about the outstanding balance.

I don't know what to do; I Do not want to ask my parents (farmers) for the money to pay off my groceries from 4 years ago! I feel ashamed and afraid they will go to court and send a bailiff to my house. I do not know what to do. Any advice? Is that employment law? Or civil matter? Is it still in the UK? Is it in the EU?

They don't respond to my emails, so that's my worry. What to do?

Please help