Thank you Wulfyn for replying. I think the reason to why i have to pay the remaining premium is because at the start of my contract Premium Credit Limited lends my insurance company (1st Central Insurance) the full annual premium. That is paid back to 1st Central Insurance by me in monthly installments. I assume that once i pay my monthly installment that then gets paid back to Premium Credit Limited, but i do not understand why 1st central insurance can't just pay back Premium Credit Limited the money. I have paid for April, May, June and July. I try to contact 1st Central Insurance and they don't even pick up the phone. They say i need to cancel my insurance by writing is that true? I'm confused as how to proceed at the moment.

anyone?

Hi, In April 2009 i took out car insurance. I am paying monthly installments. Recent events have given me little choice but to move out of the country to Norway. I was instructed by the insurance company that i needed to pay the remainding £862 premium. When i first took out the insurance i was asked to sign the credit agreement in which Premium Credit Limited borrows the money to 1st Central Insurance company for the full annual premium. I never signed this credit agreement, i figure thats good? As none of the clauses they claim to be their right is in fact not? Can someone experienced in this field help me out and perhaps take a look at my contract to see if im in the right? Thanks a million, Fredrik Christensen

Hi, Again thanks for all the replies. I submitted the stat to TEC and they have informed me that they have notified Richmond Council to hold off any Bailiffs for the time being until the decision whether my application is successfull or not comes through. However despite the submission of the stat to TEC, Equita Bailiffs keep sending me threatening letters. I received one that says Notification of Registration and that they are going to send porters and bailiffs over to my parents house (where i live). Surely this is goes against the rules does it not? I was told by a friendly TEC representative that Equita MUST hold off until a decision has been made. Could someone shed some light on why they are still sending me threatening letters and what i can do in order to prevent them? Should i contact TEC informing them of the Equita letters or just ignore them? Thanks, Fredrik Christensen

Hi everyone, Thanks again for the helpfull adive. i have filled out and sent over a stat to TEC. I attached a letter explaining the situation as well as fill out the form itself. I tried calling up Equita today and spoke to one of their employees. I explained to him that on the removal notice sent to me by equita dated 05/05/2009 (after i was asked to pay £460) it said to avoid further course of action by us you need to pay £146. I called up to pay the £146, but they said that the letter was an error generated by their computer system and that the outstanding balance is still £460. I don't know what to do anymore... Fred

Ok thank you Crem and lamma for your very helpful advice. I will call them up tomorrow and get them to confirm yet again in writing that what i have just received in the post dated 05/05/2009 is correct and that the only amount i have to pay is £146. If unsuccessfull i shall return and pester you some more with my useless explaining Thanks again guys! Fred

UPDATE: I just came back from work and found a letter from Equita in my post. It says: Removal Notice and it is dated 05/05/2009. It specifies that i have to pay a total of £146 which was originally agreed. This is very confusing. First they want me to pay £146, then £460, then £146 again? What's going on?! Fred

Hi Crem, Thanks for you reply! I apologise i failed to mention that i did receive notice to owner which i appealed to. I did however not get any response to my appeal and nothing further after that. Richmond Council insists that they have sent multiple formal warnings to me, but i have not received anything further than the notice to owner which i appealed to. They also say that they have not received any complaint / appeal from me. So i'm kind of stuck at this point. Thanks, Fred

Hi. About 1 year ago i received a parking ticket (issued by Richmond council). I had every intention of paying this ticket but completely forgot about it. About 2 weeks ago Equita sent me a letter saying that i had an unpaid parking ticket which now would cost me £146. I immediately called them up to explain my situation. I told them that i get paid in 2 or 3 days and i would call back straight away to sort this out. (Woman on the phone agreed). Payday comes and i call them back to pay my debt, only to find out that they had now increased the amount payable to £460 (despite the fact that i called them back when i was supposed to!) They also told me that they were not allowed to talk to me about this case anymore and that i had to speak directly to the bailiff. So they gave me a mobile number for the bailiff and i called. He told me that the debt needed to be setteled straight away otherwise he would come and take my stuff. I am 20 years old and live in my parents house. Is he allowed to come into my parents house and take stuff? I said to Equita that i was more than happy to pay the original amount agreed, which was £146, but they don't want to speak to me anymore. I am left not knowing what to do and frankly am a bit scared. Any advice is much appreciated and sorry for the long description. Thanks, Fredrik Christensen