just checked the bank. the direct debit for my insurance has gone out but they have also taken the £20 late payment fee. WITHOUT NOTIFYING ME that the payment was late or that they would take it on this date. what can i tell them to get that £20 back?

can someone give me some legal jargon that i can use to get my insurance company to knock that fee down considerably or completely? im pretty sure thats an unlawful charge. the insurance company has done nothing to notify me the payment is late. i only know because the direct debit was returned to the bank due to lack of funds. now they themselfs probably dont even know its been missed yet. so im going to call them up and tell them and make the payment on the phone but i'd like some legal grounds to fall back on incase they get snotty over it.

yup

ohhhhh i see now.its funny cause i got paypal debt. barclays debt wich is also £400 and summit thats 90% bank charges. and plusnet internet services debt. heres something for the brain picking part though. its come to my attention that its illegal for banks to take government awared benifits as until you withdraw it it remnains property of the governemnt. so wouldnt that also in turn be illegal for debt collectors to take money from the bank account as you havent withdrawn it its stil the governments?

ok so intrum justitia wont take me to court on behalf of paypal? (or unlikely to) i understand they MUST go to court BEFORE sending bailifs right? and if door step caller come before court its against the law and have a legal point to sue?

actually i have a similar situation. except mines kinda of like £400 for paypal. problem is im actually in jsa benifits and was wondering if anyone knows the legal stance intrum has if i want to lower the payments to £10 a month?