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Card Protection Insurance


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M&S have automatically renewed my Card Protection cover that I didn't want. They sent the notice to an address I moved out of 2 years ago and have charged it on to a charge card I aksed them to cancel. They say they didn't get my notice to close the account and therefore I am liable to pay the charge. They are now sending me threatening letters saying that they have contacted credit agencies to say that I have defaulted and my credit is now affected.

 

I feel that they should have closed the account as requested 2 years ago but they are not budging.

 

Is this fair and is there anything I can do about it?

 

Any help would be appreciated!!

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