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Markrowe

Creation Finance and Insurance Company taking unauthorised payments from bank a/c

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I have recently recieved an invitation to renew my car insurance with Oncalldirect, in the invitation it said that I would have a set monthly payment for 3 years. I contacted Onecalldirect to say I didn`t want to be tied into a 3 year contract but they assured me that at the end of each 12 months I would be free to shop around and take insurance with someone else if I wished. I accepted this but when I got home from work that evening I found a letter from a finance company regarding the car insurance, it was for a 36 month contract and instructed me to sign and return. I decided to do nothing, didn`t sign and didn`t return it. I phoned Oncalldirect the next day but couldn`t get through on the phone so emailed them to say I wouldn`t be renewing my inusurnce with them and that I had found another provider, I recieved an acknowledgement from them and so thought no more about it.

That was about a month ago, I got home from work 2 days ago to find a letter from the finance company stating that I was in arrears with the finance and that I had 7 days to pay. I phoned them to ask why they had set up a finance agreement in my name without my authority. I was told that Oncalldirect had set it up in my name and was told I had to contact them. I then phoned them to ask what was going on and was told that I should have spoken to them on the phone to let them know I wasn`t renewing my car insurance with them and not by email, I explained the problem that I had had getting through on the phone which was why I emailed. They said that wasn`t a good enough reason but because I was still within the 14 day cooling off period that I would be able to cancel and that it would cost me £45.50

I argued my point and said there`s no way i`ll pay because I had let them know I wouldn`t be renewing.

I got home from work again to find a letter saying that Oncalldirect had taken a debit card payment from my bank account on behalf of Creations Finance for the £45.50 and instructed me to set up a direct debit for future payments.

I didn`t authorise that payment, Oncalldirect had my card details from my initial deposit made 12 months ago and used it to take this £45.50 without my knowledge.

Are they allowed to do this.

Sorry its long winded

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Well, first youre in the wrong forum. 2nd, if you have the original email copy or you did indeed notify in advance that you wouldnt renew, then its theft. Plain and simple. They cant demand you call them by phone, especially when you contacted by email and you recieved a full acknowledgement.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Thank you Renegade and which forum should I be in?

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Hi and welcome to CAG

 

I've moved your post to thread of its own into the insurance company forum.

 

The guys will be happy to advise as soon as they are available

 

ims


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I've flagged your post for an admin to move it. Theyll send you a private message letting you know where it got moved to.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank You again

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I've also brought over the other few posts to here as well


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thread moved to Creation forum given new information.

 

Creation appear to be dibbing in to bank account without authorisation.

 

Have also changed the thread title slightly to reflect the position


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

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These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

 

Probably best to start your own thread


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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