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CRS harassing me daily for swinton 'debt'


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I had a household contents insurance with Swinton but because I couldnt afford it I cancelled it.

 

 

Now I have CRS harassing me daily.

 

 

Do I really owe them anything?

 

 

I always beleived that insurance was not a debt. Am I wrong?

 

 

Please advise as I am a pensioner living on state pension

 

 

and have to be very careful with my money.

 

thank you

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Hello and Welcome Rosian,

 

I have started a new thread for you in the appropriate forum, hopefully you will get some help shortly.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hello RF.

 

Firstly don't be too upset by the constant harassment these parasites commit, send CRS this by 2nd class post, and obtain ''proof of posting'' which is free from the PO counter...http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-**Update-21st-April-2014**7

 

Have you got the contract for the contents insurance to hand?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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usually the company insures you for a year and allows you to make the payments spread out over that period, which means you enter into a personal finance/loan agreement for the balance of the premiums. In effect you do owe them the money as it is a loan but in reality if they dont get it you just arent insured. generally it is just money grubbing and can be stopped by contacting the insurer (who are probably not Swinton as thet act as brokers for many others as well as themselves) and jsut get it cancelled. Probably have to pay £25-50 for doing so as an admin fee.

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Swinton Insurance brokers are parasites - charging ridiculous amounts for the most basic of tasks. I swore a few years ago not to use them again after getting over 140 quids worth of charges on a policy worth 120 quid!

 

We cancelled after they renewed without asking us - and then they said we owed them £50 for the privilege. They sent the 'debt' to a DCA but wwe just ignored them. the letters have stopped and there's nothing on the credit file about it. that was a year ago :)

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