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Hi, we had our house insurance with The AA but upon renewal their price was double what CIS could offer. So I rang up and notified them I'd not be renewing.

 

Home and contents were both through AA but provided by seperate insurers, so there was one DD from £16 for contents and one for buildings for £17. Upon notifying them I'd not be renewing I cancelled the DD at the bank, but hadn't realised they'd not taken the final payment for each policy and I naturally received a letter notifying me of the missed payments. However, I'd not expected them to place a £12 charge on each of the policies for missing the direct debit. :???: Two days later I get two default notices through the door warning me of the usual default jargon.

 

Can someone tell me whether they have a right to demand £24 in charges for a total premium of £33???? I'm happy to pay the final installement, but don't really want to pay them the extra charges if it's not neccessary even if it is only £24.

 

BTW, I never did send them a copy of my signed credit agreement back.

 

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Send them the final instalments and ask them to justify the £24 at which point they'll refer you to the terms and conditions of your agreement and you say 'What agreement?'.

 

They will reply the agreement you clearly accepted and consented to when you allowed payments to be taken from your account on a monthly basis.

 

It is obvious that the OP was aware and had accepted the agreement because they allowed payments to continue to be taken. (I'm not saying that the OP was aware of the terms and conditions)

 

I wouldn't advocate that idea.

 

What I would do is send them the £24 and a letter stating that since you had informed them you were cancelling you assumed that all monies had been paid, but now you realise otherwise you have settled your account and you feel that £12 per DD is punitive and as such wouldn't be accepted in a Court of Law, chances are they won't issue for such a small amount anyway.

 

Mossy

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What I would do is send them the £24 and a letter stating that since you had informed them you were cancelling you assumed that all monies had been paid, but now you realise otherwise you have settled your account and you feel that £12 per DD is punitive and as such wouldn't be accepted in a Court of Law, chances are they won't issue for such a small amount anyway.

 

They wouldn't need to issue if you've already paid it!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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