my insurance due on 10/01/2014,but I had already told swinton that I would not automatically renew even so they took a direct debit payment for the new instance in December, so I cancelled direct debit,after going on comparison site swinton where still cheapest so I signed and set up new direct debit,this was on 29/12/2013,on the 9/1/2014 I had a letter from swinton telling me that they had cancelled insurance because they couldn't collect direct debit and they are charging me £50 even though I was 13.50 in credit with them and the monthly amount was £6.20,I phoned them and explained and I got the impression they didn't like how cheap I had got insurance,any advice

Having letters of Moorcroft after letting them know there is dispute, still haven't had A reply off Santander regarding sar even though they cashed cheque last april should I write to them, any help would be appreciated cheers.

Received letter today from Santander saying that I am now going to be dealing with Moorcroft, never heard anything of wescot after sending them a failure to comply and I still haven't received reply regarding sar from Santander even tho they cashed £10 cheque on14 /04/2013,Any advice on what I should do next ,Cheers

the letter also stated that I should contact Santander for the paperwork as they are collecting for them, does this make any difference on the failure to comply by wescot,as I said Santander still haven't replied to my sar dated 09/04/2013, its amazing wescot can chase a debt without any proof that a debt exists.cheers

still haven't received sar from Santander,sent letter to wescot with payment £1 they replied that they have not got any paperwork on me,so they have started hounding me without any proof of any debt,any advice on what next,cheers all

Hi sent them a letter asking them why they cancelled the agreed payment plan that they put to me, they said basically, because they could, I would like to now can they do that, I have also told them that I do not want to agree to any plan with them or westcot on paying the money back as they didn't abide by the previous agreement,I have now sent a request for a sar, awaiting reply.

I Had an account with cahoot from about 2002 and it was a very good way to borrow money I was up to about £8500 but it wasn't a problem, I then had an accident and had to give up work, I called cahoot straight away and told them about my change in circumstances, they told me that if I agreed to a ten year payment plan of £76 A month that they wouldn't default or record the debt, my son then offered to pay the amount and everybody was happy, that was in may 2007, In june 2010 I had a letter of Santander asking me for for the full amount or they would close and default my account, I wrote to them explaining the payment plan and that I hadn't missed A payment, they wrote back saying they didn't care and went ahead and closed and defaulted the account, as there was no account for the money to go in I cancelled the direct debit, then nothing from them until feb/2013 I received A letter identical to the one in June 2010 and now they have passed it to Westcott, they have also recorded missed payments from 2007 to 2010 on my credit file even though I ever missed an agreed payment, I am going to write to them not that I think that would be of any use, and making a complaint to the ombudsman, Any help would be appreciated .thanks