AA monthly hime Insurance - Default notice issued?

[finaldj]

We have just switched house insurance from AA to another company ending our current contract with them on the 24th August. Wife called them on the 22nd to let them know we wont be going back with them and stopped the DD.

 

However we got a letter on the 27th August to say a DD had been missed for £12.01 which they tried to collect on the 23rd and a further £12 missed payment charge.

My wife said it's probably a cross over from the insurance thinking we were going with them on the 24th she said if she gets another letter she'll call them.

 

the letter goes on to say (This letter is notice under section 86E and relates to a default notice this does not take into account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid)

 

However today we did get another letter from AA saying they had issued a default notice for £24.01.

 

The letter goes on to say if a payment is not made by 20/09/19 they will recover the amount of £23.68 from her debit card which she has authorised them to use to collect overdue amounts.

 

Checking my wifes bank today she did in fact miss a £12.01 payment which was the last one to AA on the 23rd, She did think the last payment had come out in July so fair enough we can pay that.

 

But it's just gone 2 weeks today

can they issue a default that quick

 

looking at the first letter on the 27th they appear to be saying they already issued a default notice before the 27th August letter. even the payment amounts don't add up.

 

She is going to call them tomorrow or day after to sort it as it will be paid but not happy with the default notice after just 2 weeks.

[AndyOrch]

Not covered by the Credit Consumer Act 1974..they cant issue a default notice....or mark your credit file. (unless you took finance out to pay instalments....Close Bros Premium etc etc)

 

They can issue a Final Demand.

 

Andy

[finaldj]

This is what they sent with the letter today

[AndyOrch]

Who is it from ...Which Finance company ?   Close  Brothers or Premium ?

[finaldj]

AA house insurance were the broker for Zurich but I guess there will be a different finance company they use if so where would I get that info from?

Edited September 10, 2019 by finaldj

[dx100uk]

AA insurance paid monthly is funded by a credit agreement you sign

so they have issued a DN

so pay the sum by the 27/9

and it wont harm you.

[finaldj]

The payment will be made but it's only been 2 weeks can they actually issue a default notice that quick from a first missed payment?

[dx100uk]

they haven't, its only a threat...

it appears as you say they issued a NOSIA before so its not the first payment issue you've had I will guess.

 

dx

 

[finaldj]

No all payments have come out by DD on time everytime it was only the last payment due on the 23 August that was missed by accident so while it will get paid in the next 2 days they have come down pretty heavy handed

[unclebulgaria67]

Suggest making a compaint to AA. When your Wife phoned them on 22nd August, they should have explained last payment of £12.01 was due. 

 

So if you complain and pay the £12.01, that should be the end of it. The £12 late payment charge should hopefully be written off.