From November 06 to October 07 I had a home insurance policy with Tesco. It cost just over £33 per month. I paid 12 payments then cancelled the policy as Legal and General offered a cheaper one. When I cancelled it, Tesco sent back one payment (for some reason I have no idea, as we didn't make a claim). The next thing I know, we have a letter from Moorcroft Debt place saying we owe £33. Phoned them up and told them, we paid 12 payments and they refunded one so we want an explaination as to why the refund was made. Moorcroft said they would ask Tesco why they refunded the amount. Heard nothing.

Got in from work today and now I am being threatened with court action and told I will have to pay another £128 on top of what I owe. It also says 'if you ignore this letter we will assume you are purposely ignoring the debt.' Funny as they have ignored all the phone calls we have made, and Tesco have refused to acknowledge why they have refunded the last payment.

I am fuming.

Every little helps?????? My Arse.

They are completely unhelpful and are only concerned with taking your money, making mistakes and making the customer pay for their mistakes.

Hi Lea2001gb,

As I understand it you need to ask Moorcroft for a copy of your Consumer Credit Act 1974 (Sections 77−79) A CCA.

There is a letter in the template library you can use :-

Always start your letters with :-

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

http://www.consumeractiongroup.co.uk/forum/show-post/post-162367.html

Never sign your letters, always print your name

There is a lot more useful information on dealing with DCA's here :-

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

Hope this helps

Lex

When exactly did you cancel the Tesco policy? Did you do it before the renewal date?

I paid the last payment then cancelled before the renewal.

Had nothing but hassle with Tesco so went elsewhere

I paid the last payment then cancelled before the renewal.

 

Had nothing but hassle with Tesco so went elsewhere

If you cancelled before the renewal date, there shouldn't be any outstanding charges.

It sounds like they gave you a refund of £33 by mistake, which they now want back, but I don't understand what the other £128 is for. Did the letter give any indication what it's for? Could it be the debt collector's own fee?

First thing to do is call our payments dept. They will be able to explain what the outstanding balance is for. By the sounds of things, there was a problem with you last direct debit payment which would mean the money is probably due.

The only thing i would point out is that we do send out several "chase" letters for any outstanding premiums and we have an internal debt recovery dept who would have tried to contact you before this went to moorecroft so i'm not sure how its managed to even get to this stage without you realising.

Let us know how you get on.

DA