 Re: car insurance cancelled by Tesco
Hi Zaffie,
When a payment is rejected, we automatically write to you and let you know this, we also advise you when we are going to re-present the payment (usually 7 days from the date on the letter). If the payment rejects a second time of if the direct debit is cancelled, another letter is sent, a bit stronger worded, asking you to call in so we can discuss the situation. Normally our payments team will clear the arrears on a card then continue the direct debit. occasionally they will ask for the rest of the years premium in full but this is only if the customer has really bad payment history.
If no contact is made, a final letter is sent out giving notice of cancellation within 7 days if no contact is made.
Unfortunately this looks as though this is what has happened, in which case, there's nothing you can do as you already know. I'm a bit surprised that your son in law offered to pay the premium in full and this wasn't acted upon as its perfectly normal, even for people that haven't missed payments, to pay off the account as it avoids paying the APR charges.
Might be worth having a word with our payments dept and see whats going on.
hope this helps
DA
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