Sureterm- Trying to make me pay for historic direct debit not collected

[Boogler]

Hi,

 

Had a few phone calls from Sureterm Direct asking me to pay up for a car insurance policy

I held between April 2012 to April 2013.

 

They claim the direct debit wasnt set up/taken

hence I now owe them retrospectively for the £XXX amount for the year.

 

I have checked and they are right,

the payments were not taken ,

but given the time period elapsed,

the fact the insurance has lapsed where do I stand?

 

I argued the point that if the payments where not received

then was the insurance then void during that period?,

also why wasnt I chased up then at the time.

 

If the payement had been refused through me not paying/insufficient funds

then im sure I would have had angry letters saying they were cancelling the policy!

 

Im thinking I will have to pay them off,

maybe argue a reduction for the inconvinience and their incompetence.

 

Any advice?

[dx100uk]

pers I think you are lucky they did not cancel the policy & then you'd

have been pulled for no insurance.

 

yes sadly you need to pay them.

 

let just check one thing.

this WAS the current and ONLY insurance policy you had to enable you to drive?

 

dx

[renegadeimp]

Was this supposed to have been paid monthly, or yearly. If monthly, depending on the finance provider, you may well be liable for the entire amount, even if cancelled. The finance provider gives the insurer the full amount, and the payments you make go to pay the finance provider back. If you dont pay, then the provider is out of pocket.

 

Also remember, than they have up to 6 YEARS to chase you up for the amount. They could keep quiet for the first few years and then contact you for the money. THey are within their rights to do this.

[Boogler]

let just check one thing.

this WAS the current and ONLY insurance policy you had to enable you to drive?

 

dx

 

It was a classic car policy I have for my Beetle, I am a named driver on my wifes car. I also have a company car.

 

It was supposed to be a monthly payment.

 

What I am confused about is why when they didnt recieved a payment nothing was done, I mean, I have seen people not pay their monthly payement and have the policy cancelled.

[dx100uk]

yes my thoughts

 

though a pointed, was it financed or were the payents to go direct to the insurance co?

 

the matter of if the finance co. paid full upfront

thus anyones owes it all, if cancelled is not entirely correct.

 

dx

[renegadeimp]

If it works like mine, the finance company pays the insurance company and you enter into a contract to pay the finance company back. Now, if you cancel, you have to check that there arent any cancellation charges. A lot of companies demand the remaining amount in full.