Is this worth fighting for?

[1stlifeline]

I twice had my direct debit fail on my car insurance. Each time the company wrote to me and said they would take the direct debit again in a few days but that they would also take an extra £25 admin fee. I then cancelled my direct debits so it could not happen again and also wrote to the insurance to cancel the policy. They have now sent me a final bill for £77. I refused to pay it unless they told me exactly how the £77 was arrivede at and also pointed out that they had taken £50 off me unfairly and so I wanted that deducting from the 77. I had no response but now have had a letter from a solicitor saying I must pay within 7 days or they will take further action.
Shall I stick to my guns or should I pay up? Any advice would be welcome. Thanks.

[Glenn UK]

i would write formally to them asking for a breakdown.

Have you had any cover from this policy and if so have you actually paid anything at all?

If you have had cover then you must pay for that i presume unless you have a reason not to.

All policies will have cancellation terms in the contract, and so expect them to try to enforce that.

be interested to hear more details from you.

Glenn

[xrchris]

Have you made a claim during the period of the policy?

I have never encountered an insurer admin charge for a reapplication for a direct debit payment before. Which insurer is this?

[demon_x_slash]

At first glance it sounds like the insurers are taking a leaf out of the banks' books. What a stupid time to do it, with everyone caught up in the reclaiming rush, and a possible test case this Friday...

[1stlifeline]

I did have cover and have been paying monthly for it, I have had no claims. I cancelled it because I was so annoyed at them taking £25 for the failed direct debits. I know thats my fault but its still a lot of money for something like a failed DD. I have written to them to ask them to break down the final cost so I know what they are charging me for and I also asked them to deduct the £50 they had taken off me unfairly from the sum owed. They have not replied at all but have put it in the hands of a solicitor who has written to say I have 7 days to send payment. The company are called ITS 4 ME.