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  1. My mother is a pensioner her last years insurance direct debits for her house insurance were taken out of her bank account by a company called mypremiumcredit Her renewal came through 2 weeks ago and last week my mum received a letter from mypremiumcredit stating the company dont have her bank details on file in order to commence the direct debits for the new insurance cover (when she had cover the previous year with them already!) and if my mum does not pay within 2 weeks she will have to cough up the full amount which is almost £250 in one go!. They have also sent my mum a default letter - my mum is stressed out by the default when it is not even her own fault - she's never missed a direct debit with this company I rang the mypremiumcredit asking them why have they sent a default letter, the advisor said it their fault for not having my mums bank details on file, i replied the bank details have never changed, so why the default letter, the advisor said the default letter is a 'generic' letter thats sent out and it wont effect my mums credit rating - my mum is stressed out and worried - that the company even before her new renewal commences which is next week has alread received a default letter! What action can my mum take, where does she stand and can this complaint be pushed all the way to the Financial Ombusman?
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