debt question-

[sjw]

hi wondered if anyone can give me some advise i have just recieved a letter from a collection agency for over £100 acting for admiral car insurance my policy ran out in november and i did not contact them to renew it or give them any payment details and got car ins from someone else they are now saying that they assumed that i wanted to renew my insurance and are charging me,i have contacted them i they have said they are charging me a further £40 cancellation fee for something i never requested to renew any advice would be appreciated i have so much debt already could really do without this as well. thanks

[MelanieGiles]

Hi sjw and welcome to the forum

You will need to look to the contractual information that you signed at the time you took out the insurance to see if you are liable.


Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Andrew Graveson]

I'm not sure that an automatic renewal when cover had been found elsewhere could be considered to be "Treating Customers Fairly" - an FSA requirement of insurers.

Admiral will want payment if they assume that they held the risk during the period after your policy expired. I suspect if you can demonstrate that you were "on cover" with another insurer once your orignal policy expired the collection agency will quietly drop the matter. If they do not then contact Admiral directly to resolve it with them.

Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

[Adam Davies]

Hi
I have noticed this with my own insurance,they will automatically renew if you do not advie them.Even cancelling the DD is not good enough.
I suggest a letter to Admiral with a copy of your new insurance,as suggested by Andrew
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp