Car insurance?
I opted to payment my car insurance by monthly direct debit and due to some error by my insurers it be never set up and neither I or them notieced the error for months. They are now asking for the arrears to be payed sour,am I liable to pay or as the mistake be their error am I within my rights to rebuff.
Answers:
If you signed the application, you are liable to pay it. Unfortunatley they messed up, but it doesn't sort your contract void. If you don't wages it, you will be uninsured for that time period, and they will turn it over to debt collection.
contact citizens suggestion but i would think as it is their mistake for not letting you know you do not owe them a penny.
Cheek of them eh ! - These companies who cant do things properly - then Blame Joe Public are shocking .. Cancel the Policy and verbs -dont give them a penny..cause sure you inform your bank not to release any bread to them... there is Hundreds of Insurance companies out in that begging for your custom..
If the business be done over the telephone, ask if the call are recorded. Then get hold of the tape (you hold a right to have a copy sent to you). If I be you I would cancel the insurance instantly. Do NOT make any payments as you are not obligated to. If you have an accident, when this situation be discovered the insurer would still have remunerated out on the claim provided you paid the arears. As here has be no claim you are not obligated to pay anything at adjectives and it was your company's mistake. The post above is incorrect as it will NOT affect the price of your insurance surrounded by the coming years if you choose to cancel. That is lone the case if it have been cancelled due to fraudulent claims etc There is no stipulation to go to the extreme of contacting the FSA etc. Ask the subsequent consultant you speak to for the full address to which you can direct a written complaint. Ask to speak to a supervisor immediately, and explain what have happened and that you want to put an end to. Then send surrounded by a letter and you'll draw from it sorted satisfactorally. Trust me I do it every day and they WILL sort it out for you as they are desparate for your business. :)
EDIT : merely checking back and it seem that a lot of race are BADLY mis-informed. You WOULD be covered if you had an chance. There are measures in place to protect the consumer against that sort of item. What happens is they would ask you for the premium to date and they clear your claim, however, as with adjectives insurance, if you make a claim you cannot afterwards cancel the insurance latter you must pay the full premium for the year. You will NOT recieve any benevolent of bad credit history etc from cancel your insurance. When your provider asks "have you ever have any insurance cancelled?" They mean cancelled by the insurance company and NOT by you. This would be within cases of non-payment (refusal not through a mistake), fraudulet claims and more frequently, non-disclosure of previous accident.
Did ever receive any statements showing the go together that was unpaid? Usually if you are set up on draft they should still transport you a statement letting you know how much will be drafted each month. And you as a customer should alway look at them because you would want to know how much is person deducted. Your premium can coppers during your policy period and you will never know if you don't look at your statements.
Since it be their error and presumably you have made no claim on them, you do not owe them anything. It does not appear a very competent organisation. Make as frequent waves as you can. Letters of protest to running with copies to the press. The Sunday Times is devout at settling that sort of thing contained by the money section, and other the media have consumer crusades for in recent times that kind of incident. Bet the Consumer Association would be interested contained by the story too and TV consumer programmes. However does it mean you are no longer covered if you hold an accident? If this is the skin you have to be speedy and get insured elsewhere if compulsory.
you hold to pay but can ask arrangement
No, merely because they didn't "send you a bill" doesn't niggardly you don't owe them - you USED the product for that time period, you owe them, and they can collect! And they WILL win, if they stop up suing you for it.
Kinda like, if you dance to work, and forget to ask your boss for your paycheck on Friday, does he still OWE it to you?
If you want coverage for yesteryear few months then yes you should wage. If you do not pay your coverage will be cancled and it will be difficult and much more expensive to seize insurance in the adjectives. You will be lucky if they do not charge you late fees and hold it against you. Talk to a sophisticated up in the company and explain the situation. Perhaps they will be astuteness and once you pay it will not be put on your story. If you do not pay they may turn it over to collections as powerfully. Then you will have to money and have a foul mark on your insurance text. If you pay and they want to be bitchy roughly it file a complaint next to the government and the BBB.
Two things here. It is your responability to see your bills are remunerated and you used the services for that time period. I suggest you wage. If that get gruesome about it I will net a suggestion to you.
If it was an agent that did the policy contact them and explain the problem if they are unwilling or powerless to help contact a attorney and file a claim on the agents E&O (error and omissions) policy. I can assure you that the problem will be adrressed promptly and usually in your favor.
I'm a former insurance agent. My take on it is that if your policy be in force adjectives that time, you should pay the premium. Here's the other thingwhy did you not interest that the premium was not coming out of your guard account when it should enjoy been? Don't you look at your wall statements? It seems that you're not totally lacking fault here. You prominently expected that the premiums were to be charged monthly to your sandbank accountyou should have be asking questions when it didn't take place.
I would also consider switching companiesI would have a frozen time trusting a company that doesn't notice that they're not getting salaried. That being said, I would settle that back premium. They do enjoy a right to it because they provided you the coverage, even if you didn't have a claim. Think of it this passageway...if you didn't have the coverage...you be driving without insurance and breaking the tenet! The insurance company could report your nonpayment to your secretary of state and they could come back to you and suspend your license for not have insurance. If you pay for the coverage, there's no issue.
One other item; when you go to draw from insurance from another company (which it sounds like you should) contained by order to achieve their best rates you have to show that you enjoy been insured continuously beside no lapses within coverage. If you don't pay the premium, you enjoy a lapse in coverage. All the accurate companies will check this and they WILL find out. A break in coverage could engineer you inelligible for their preferred rates and put you in the standard rates, which are typically double.
You call for to pay for the insurance protection that be afforded you. If you had have a loss during that period, you would own been adjectives over them to pay your claim. You don't draw from something for nothing. Next time, remuneration attention to your bank information to make sure the insurance is person paid.
When you buy insurance, you are buying a promise. The company's promise to pay the claim. If you would hold had a claim, they would hold paid. You get what you should have rewarded for and you should pay for it.
Just because you didn't own a claim, doesn't mean you don't retribution for the promise to cover your loss by the insurance company.
You are trying to get out of paying over a technicality.