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Resolvecall / Arc Europe / Major Law kwikfit ins missed payment

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Back in January 2017 I switched banks.

Everything seemed to transfer over with no issue until

 

July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy.

 

On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents.

 

I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account.

 

I sent a recorded delivery letter to Kwik fit and followed up with another letter (again sent recorded delivery)

three weeks later after I had heard nothing from them.

 

A month after my second letter I received a letter from Resolvecall to recover the debt on behalf of Kwik fit.

 

I telephoned Resolvecall and explained the situation and asked them to look into the matter.

 

The girl I spoke to said she would and would email me within 14 days.

I heard absolutely nothing and (stupidly) assumed it was the end on the matter.

 

Four weeks ago I received a letter from Arc Europe who have now bought this debt and now a letter from Major Law with fees added.

They are now asking for £130.

 

Can anyone suggest how I should handle this?

I am not denying that this money should have been paid, albeit by monthly direct debit, but I tried to communicate on several occasions first with Kwik Fit and then Resolvecall only to have my requests ignored.

 

I can't take the chance that this could go to court as my job relies on me having no CCJs on my credit file.

 

If I have to pay the money I will (though I wouldn't be able to pay all at once) but I don't think I should have to pay costs.

 

Would it be worth sending a letter to my bank under the bank account switch guarantee?

 

I'd appreciate any advice.

 

Thanks so much in advance.

Edited by dx100uk
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Stop ringing powerless dcas

They are NOT BAILIFFS

Neither they nor their fake/tame paper sols have any legal powers nor any remit to add anything to a supposed 'debt'


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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