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I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account.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


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

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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