Hi

Hope someone can please advise! My partner has recently cancelled his moped insurance with Swinton Bikes. He had to pay £108 for a £133 policy which has already run for 6 months and he has been paying for by direct debit. We realised that we didn't have a leg to stand on regarding this cancellation fee and prompty paid it after they threatened us with debt collectors after 2 weeks!!

Anyway I then cancelled the direct debit on internet banking (Halifax) which had been £13 a month. I then get a letter from Swinton stating that the direct debit has been cancelled and to make alternative arrangements. I thought this was regarding the bike insurance and ignorred it. Anyhow turns out this was about our home insurance which is a separate policy/different payment date etc. When I cancelled the DD for the bike the Home Insurance one had been deleted to as Swinton only use one mandate apparently to take money from bank. Anyhow I have now been stung another £46 for cancelling this policy which I didn't even want cancelled.

Does anyone know who i should compain to about this or was it just my fault for not realising both DD's would be cancelled?? Thanks a lot to anyone who can help!

Claire

Hi smith

Welcome to CAG

The guys will advise as soon as they are available.

Thread moved.

Hi,

were you contacted by telephone regarding the direct debit being cancelled?

Swinton have a separate credit control team that is put into place to contact customers regarding cancelled/defaulted direct debits.

You can contact Swintons customer assistance department and complain about the lack of contact, if this fails then tell them you'll be contacting the FSA. Swinton are charged £500 every time they are asked to explain a complaint made to the FSA. Due to this they will be more inclined to write the outstanding balance off as opposed to charging you.

Swinton have a Treating Customers Fairly policy in place, unfortunately they don't seem to use it.

Hi

Thanks for the reply, no Swinton did not telephone regarding cancelled DD. I am just waiting now for them to take the £46 off of the card originally used for the deposit on home insurance. I will try writing to the complaints department at Swinton though as I am not pleased about how this has happened with the DD. Thanks a lot

Claire

Hi

Welcome to The Consumer Action Group.

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

It can be bit confusing at first.