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DCA Chasing Insurance poilcy debt after company cancelled insurance 4yrs ago.


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Hi all,

 

I am being chased by a debt collection agency for monies owed to an motor insurance broker.

I took out the policy 4 years ago and after 3 months the insurance company cancelled my policy without any explanation.

 

At the time I was told no monies were owed, then I received letters I owed in excess of £130.

ignored the letters and 4 years later this debt collection agency has contacted me to collect the monies.

 

If I paid the balance outstanding via the debt collectors portal, can they chase me again for any additional money in the future?

Also can the debt collection agency leave negative mark on my credit file?

At the moment there is nothing on my credit file

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Hi Linz,

 

Has the DCA given any info or breakdown for what they're seeking from you.

 

Were you paying by monthly DD when they cancelled the policy.

 

Too early to think of paying - Who was the insurer and who is chasing now ?

 

Don't reply to the demands until you get more advice here.

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who are the DCA's list client on their letter?

 

if its lists one, your are totally safe to completely ignore the fleecing DCA.

and no a DCA can't harm your credit file , only the original company can mark your file

 

read the red bits below...

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to DCA Chasing Insurance poilcy debt after company cancelled insurance 4yrs ago.

Hi,

 

No breakdown provided by the dca, just an amount and who they are claiming on behalf. No paper letters from dca just emails.

 

I was paying by monthly dd when it was cancelled. The broker is called fresh insurance first car and the dca on the emails are called CRS (credit resource solutions). On the emails the dca list the client as fresh insurance.

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emails?

very safe to totally ignore

how does CRS even know the email account is still read...:pound:

ruddy fleecers

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No need to reply to any demands for now.

 

You said they gave no reason for cancelling the insurance but can you give us any clue about a possible reason ?

 

I assume there is no CIFAS marker on your credit files but please confirm.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi,

 

I think they may have cancelled due to points on my license which I received a month after taking out the policy, I did tell the broker about the points and then a month later my insurance was cancelled. At the time I was in the second year after getting my license.

 

No cifas on my credit file.

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