Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder Markrowe Novitiate

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    Default Creation Finance and Insurance Company taking unauthorised payments from bank a/c

    I have recently recieved an invitation to renew my car insuranceicon with Oncalldirect, in the invitation it said that I would have a set monthly payment for 3 years. I contacted Onecalldirect to say I didn`t want to be tied into a 3 year contract but they assured me that at the end of each 12 months I would be free to shop around and take insurance with someone else if I wished. I accepted this but when I got home from work that evening I found a letter from a finance company regarding the car insurance, it was for a 36 month contract and instructed me to sign and return. I decided to do nothing, didn`t sign and didn`t return it. I phoned Oncalldirect the next day but couldn`t get through on the phone so emailed them to say I wouldn`t be renewing my inusurnce with them and that I had found another provider, I recieved an acknowledgement from them and so thought no more about it.
    That was about a month ago, I got home from work 2 days ago to find a letter from the finance company stating that I was in arrears with the finance and that I had 7 days to pay. I phoned them to ask why they had set up a finance agreement in my name without my authority. I was told that Oncalldirect had set it up in my name and was told I had to contact them. I then phoned them to ask what was going on and was told that I should have spoken to them on the phone to let them know I wasn`t renewing my car insurance with them and not by email, I explained the problem that I had had getting through on the phone which was why I emailed. They said that wasn`t a good enough reason but because I was still within the 14 day cooling off period that I would be able to cancel and that it would cost me 45.50
    I argued my point and said there`s no way i`ll pay because I had let them know I wouldn`t be renewing.
    I got home from work again to find a letter saying that Oncalldirect had taken a debit card payment from my bank account on behalf of Creations Finance for the 45.50 and instructed me to set up a direct debiticon for future payments.
    I didn`t authorise that payment, Oncalldirect had my card details from my initial deposit made 12 months ago and used it to take this 45.50 without my knowledge.
    Are they allowed to do this.
    Sorry its long winded


  2. #2
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    Default Re: loan company going into account and taking money

    Well, first youre in the wrong forum. 2nd, if you have the original email copy or you did indeed notify in advance that you wouldnt renew, then its theft. Plain and simple. They cant demand you call them by phone, especially when you contacted by email and you recieved a full acknowledgement.


  3. #3
    Basic Account Holder Markrowe Novitiate

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    Default Re: loan company going into account and taking money

    Thank you Renegade and which forum should I be in?


  4. #4
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    Default Re: Insurance Co and their Finance Co taking unauthorised payments

    Hi and welcome to CAGicon

    I've moved your post to thread of its own into the insurance company forum.

    The guys will be happy to advise as soon as they are available

    ims


  5. #5
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    Default Re: loan company going into account and taking money

    I've flagged your post for an adminicon to move it. Theyll send you a private message letting you know where it got moved to.


  6. #6
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    Default Re: loan company going into account and taking money

    Thank You again


  7. #7
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    Default Re: Insurance Co and their Finance Co taking unauthorised payments

    I've also brought over the other few posts to here as well


  8. #8
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    Default Re: Creation Finance and Insurance Company taking unauthorised payments from bank a/c

    Thread moved to Creation forum given new information.

    Creation appear to be dibbing in to bank account without authorisation.

    Have also changed the thread title slightly to reflect the position


  9. #9
    Basic Account Holder Markus1234 Novitiate

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    Default Re: Creation Finance and Insurance Company taking unauthorised payments from bank a/c

    These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insuranceicon policy and I am being charge around 235 but then the debt collectionicon people say its 288 and thats come from Creation. I feel so frustrated.


  10. #10
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    Default Re: Creation Finance and Insurance Company taking unauthorised payments from bank a/c

    Quote Originally Posted by Markus1234 View Post
    These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insuranceicon policy and I am being charge around 235 but then the debt collectionicon people say its 288 and thats come from Creation. I feel so frustrated.
    Probably best to start your own thread



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