 Re: Cancelled House Ins with Budget
Woah woah Delilah! Nobody's talking about court action here, this is probably a simple misunderstanding that can be easily resolved and advising people to ask for their day in court is just silly!
Now, lets get this sorted. First things first, when you say you've cancelled the policy do you mean you actually called them up and asked them to cancel over the phone or did you just simply cancel your direct debit?
A lot of people assume that the latter will just cancel a policy when in fact all it does is stop the payments so the policy continues but without payments made so the customer falls further into arrears, by the time the insurer decides to cancel the policy for non-payment, they still ask for any outstanding balance to be paid.
So, assuming that you called and cancelled over the phone, what were you advised? is there a cancellation charge? have you made a claim? (if so then the insurer is within its rights to ask for the full years premium as they've had to pay out for a claim so fulfilled their contract).
The first thing you need to do is call budget, speak to customer services and find out what exactly the outstanding balance is for. once we have established that, we can then work out what to do about it.
I would also call up the debt company and advise them that the debt is in dispute, this will stop them from chasing you for now as they cant collect a debt that's in dispute. They'll probably hold your account for a couple of weeks to give you time to sort this out.
Let me know how you get on
DA
__________________
If you find the advice I give is useful, then please feel free to click the scales 
" It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" | 
