Swiftcover Can they do this ???

[ShinySheen]

Hi there

I have recently taken out a car insurance policy with swift and am paying by direct debits

they did not receive proof on my no claims discount unbeknown to me

 

My payments should have been £35 per month

the last payment they have taken was £102 due to them not receiving my NCD

and have charged me a administration fee of £20

they tried to take from my account using my credit card details ……

I have rung them and they have said my future monthly payments will be reduced as they have taken £102 from my account

but the £20 administration fee must still be paid

Can they do this ?

They have threatened to cancel my insurance unless I pay the £20 but to be honest

I’m thinking of canceling it anyway and going elsewhere if they have done wrong

[Bazooka Boo]

IMO I would vote with my feet, the DD guarantee can be used here to reclaim what they took out of your account if they didn't inform you of the change in amount they were going to take.

 

If they are attempting to bribe you by saying that you have to pay the £20 fee or they will cancel your insurance, I would be informing the OFT&TS of this attempt of extortion, the FOS might also want to know....http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

You should also exhaust their own complaints procedure,

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

[ShinySheen]

Thanks BB

No defiantly didn’t inform me what or how much they were going to take ………but can they actually take someone’s credit card details and attempt to put another payment through?? Remember this payment had nothing to do with a DD payment

[dx100uk]

no they cant do it

cheeky beggars!

extortion in the least

 

if they did not write to you saying they were taking the £102, then claim that back under the DD guarantee via your bank

then go elsewhere.

 

dx

[martin2006]

if they did not write to you saying they were taking the £102, then claim that back under the DD guarantee via your bank

then go elsewhere.

 

dx

 

I think it was an unauthorised cc payment and not the DD,

 

You need to get in touch with your bank and request a chargeback as you did not authorise this payment

[dx100uk]

nope reads they had a DD and took an un-notified amount

then they tried to take money from a bank A/C using a credit card number....

weird.

 

dx

[martin2006]

Thanks BB

No defiantly didn’t inform me what or how much they were going to take ………but can they actually take someone’s credit card details and attempt to put another payment through?? Remember this payment had nothing to do with a DD payment

 

Not according to this from the OP

[dx100uk]

hehe

teach me to use an itouch on teamviewer,,, sorry.

 

chargeback it is then.

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

dx

[Bazooka Boo]

And exhaust their complaints procedure.

[Bazooka Boo]

DON'T EMAIL ANYTHING!!!!

 

If you are who you say you are and do actually work for these lot, then you need to let the site team know and use the correct procedure for coming on board as a recognised rep.

 

Thank you Martin..

Edited October 10, 2011 by Bazooka Boo

[MARTIN3030]

Just to inform members here-the earlier post is being looked into.