Unauthorised Payment (DD) - suspected MBNA fraud

Gaberdeen

Good evening everyone,

So our house insurance with MBNA was due for renewal on the 30th of September and as always, I did my due diligence but found nothing on the market to beat the slightly higher renewal price of £361.64.

The paperwork was quite clear that the renewal was that exact price, nothing extra nothing less and it would automatically be taken off on the 30th unless I contacted them.

Fast forward to today and I'm seeing that as well as the £361.64 coming off under insurancelbis (Lloyds bank insurance services, who owns MBNA) there was an additional direct debit of £52.08 taken by an

"Awp P C Sa."

Putting that term into Google brings me to this mse post from January this year.

https://forums.moneysavingexpert.com/discussion/6500433/watch-mbna-home-insurance

So, am I being defrauded of money by MBNA?  The renewal said absolutely NOTHING about any extras like legal fees, breakdown cover or any of that usual tack-on-tat.

What should I do? I'm a week into the renewed policy and honestly this makes me want to cancel and go somewhere else.

Gaberdeen

There's a weasel worded paragraph hidden in the paperwork that says "if you want to cancel your home emergency cover, contact allianz on 0345 blah blah blah

Only problem with this is that we didn't have home emergency cover last year, so why the eff is it being added on this year?

I'm absolutely fizzing

cw8825

So it’s not fraud. 

They have added it on presumably as part of a new offering , they have informed you
if you don’t want it just cancel it
theres no underhand tactics here 

m if your really going to cancel the whole policy over this so be it but it would be pretty pointless since you have compared and nothing else was competitive so you will pay to cancel then pay more to reinsure
cutting off your nose to spite your face