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Direct Line Home Insurance - Advise please on cancellation of policy


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Hi,

 

I stupidly allowed my Direct Line Home Insurance policy to auto-renew recently and today I cancelled it, as I have saved over £200 annually by moving to an alternative provider (Swinton).

 

I have cancelled the direct debit and I called to let them know, at which time they advised me I must pay 1 months premium to get out of the contract. This is because I am 2 days (yes 2 days) outside the 21 day cooling off period so must pay a fee. Bear in mind I have already payed the first 1 months premium on 02/03/09.

 

Now I know this isn't exactly a great deal of money and if necessary I will pay, however out of principle I would prefer not to if possible. My question is if a) I received a new credit agreement but never signed it and b) my equifax/ experian credit files show now record of ever having an official agreement in place, can they actually do anything official to make me pay?

 

Thanks in advance for any assistance

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