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Hi I'm looking for help and advice with an ongoing problem with Close Premium Finance part of Bank of Scotland.

 

My husband took out an insurance policy in June 2006 for public liability with Alexander Forbes Risk Services which was financed and administered by Close Premium Finance. It was for a year but three months in he closed down the business and cancelled the policy. All instalments to that date were paid. Shortly afterwards CPF contacted him demanding he pay the outstanding debt of about £3500. He thought the account was similar to car insurance finance and argued with them that he had paid up to date and didn't have any of thir money.

Since then they have taken him to court and was ordered to pay an amount far in excess of what he showed he could afford on the form. The bailiff came round and advised him to apply for a reduction of installments order which he did. That was almost 12 months ago and he heard nothing until a couple of months ago the letters started again demanding full payment which we cannot afford.

CPF have now got another 'Warrant of Execution' and we don't know what to do. Do we apply for another reduction of installments order or what? Does anyone know?

This is making him ill. He is working 60 hours a week to pay our mortgage and utilities as it is. I realise we have been niaive but this credit agreement is nuts it seems very unfair to demand money back which wasn't actually given to us.

Any ideas anyone? :confused:

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Hi there, how did you apply for the reduction in installments? was it on an N245 form which you sent to the court?


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Yes, the one where you have to write down all your income and expenditure.

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and you sent it to the court, not the creditor? did you keep a copy?


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Lelly did it say it wa covered by the consumer credit act 1974?

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No , no copy though our circumstances will not be exactly the same, I'm not sure about consumer credit act it was just the form from County Court it doesn't mention it. The original form for the insurance had stuff about it though.

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Oh sent it to the court.

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Where did you send the N245 form?


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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