ok guys ive got a probelm with insurance i sold my sr and i brought a honda civic vti-s not long ago problem is i had 3 weeks remaining on my policy so i phoned them up to chage it over and the charged me 193 quid for 3 weeks i know am mad lool but anyways my policy has now ended and they still havent took the money out of my account yet the lady over the phone said at the time that the money would go out the next day and since then its not gone out one of my mates said just cancel all youre direct debits as its not ure problem anymore? i would have done it by now but i dont want them to put anything against my name? were do i stand? my policy has now ended. cheers
bit of a dilemma
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they informed u they were going to take the money on a certain date, that date is now 3 weeks overdue, do what your mate said. they will soon contact you if they want the money and cant just give u a bad record for not being able to obtain the money first they will contact you by letter or phone. had the sme thing myself
ok cheers mate i just wanted to be sure as the last thing i want is for them to put somthing up against my name. just say i cancel my direct debits. do u think i should actully spend the money as i do want to get a few goodies for the car:haha: but as am broke atm i dont want to spend the money and 2 weeks later them asking for it?
Hazzagray
Member +
Tbh mate you want to ideally cancel youre card if anything. a DD is an agreement with the company and yourself for them to debit youre account. so if you cancelled them youre end they still have the right to take the money. when you set the direct debit up, you would have done it with your card, so if you cancel the card, the numbers will change and they cant take it out.
But as Turboflow rightly said, they cant now take if they specified a date 3 weeks ago.
Go mad!
But as Turboflow rightly said, they cant now take if they specified a date 3 weeks ago.
Go mad!
but i dont understand my policy has now ended can they still take out money once policy has ended? the policy ended on sunday the 2nd of may
sparkie900
Member +
Phone up citizens advice mate and explain your situation, they will be able to tell you what you can and cant do, hope this helps. 
Phone up citizens advice mate and explain your situation, they will be able to tell you what you can and cant do, hope this helps.
cheers mate ive cancelled my direct debits now. the lady at the bank said before they can put anything against youre name they have to warn you a few times before they can actully do anything?
just got a letter from insurance now saying there is an outstanding premium of the £193 they said if we do not receive the payment within 7days of the date of the letter a debt collection agency will be instructed to collect the outstanding payment on behalf of bell. and for that they will chagre me another £20 ontop of that so what shall i do guys shall i just pay it? as i thought they payment had gone out ages ago but its been a month since then and they asking for it nw plus i have not recived my 1 years ncb yet iswell?
so what shall i do guys shall i just pay it? as i thought they payment had gone out ages ago but its been a month since then and they asking for it nw plus i have not recived my 1 years ncb yet iswell?
shizerproject
Member +
phone em up and ask them why it wasnt taken when they said it was supposed to have been and now this is causing you an inconveniance... see if they will knock anything off it for that as they really should do, but as we all know most insurance companies are c**ts... by rights yes you do owe the money but if they havnt taken it when you and the advisor agreed it would come out then thats technically their fault they havnt been paid not yours & you should just complain about the inconveniance it is now causing you as they have not done what was agreed =) and if u really wana go for it ask to see if theres a recording about the said phonecall you had when you changed over the car.