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Hi all 
I suspect this is becoming a regular situation, My daughters had a Healthcare plan, which expired in August 2008, in the small print, they gave her 14 days in which to NOT renew her policy, she didn't read this, so they continued taking her monthly premium, £54.00. She eventually rang them,and stopped the direct debit, but her bank Lloyds TSB continued to honour the direct debit, when a payment failed due to insufficient funds, Lloyds deducted £20 for a failed transaction, and then £90.000 for going overdrawn.
How can a company (Healthcare)continue with a policy, even if it hasn't been renewed, ?. and can my daughter claim the charges back from Lloyds, for allowing the direct debit to continue ? The healthcare company involved say no one rang to cancel the policy, or rather, not renew it.
I had the exact same situation with Lloyds and my car insurance, because I didn't inform them NOT to renew it, they automatically sent me a new policy, so I had TWO insurance policies, which is illegal.
We wrote to Lloyds recently.and told them to stop ALL direct debits, and only continue after receiving written confirmation from my daughter, because after the financial problems she had with her business, she has lost track on who has an authorised and valid direct debit agreement.
I can see many other people having the same predicament, surely when a plan/policy ends, it,s up to the client whether they renew it, and should be cancelled unless it is agreed to be renewed.
Any comments wold be apreciated
Razor
I suspect this is becoming a regular situation, My daughters had a Healthcare plan, which expired in August 2008, in the small print, they gave her 14 days in which to NOT renew her policy, she didn't read this, so they continued taking her monthly premium, £54.00. She eventually rang them,and stopped the direct debit, but her bank Lloyds TSB continued to honour the direct debit, when a payment failed due to insufficient funds, Lloyds deducted £20 for a failed transaction, and then £90.000 for going overdrawn.
How can a company (Healthcare)continue with a policy, even if it hasn't been renewed, ?. and can my daughter claim the charges back from Lloyds, for allowing the direct debit to continue ? The healthcare company involved say no one rang to cancel the policy, or rather, not renew it.
I had the exact same situation with Lloyds and my car insurance, because I didn't inform them NOT to renew it, they automatically sent me a new policy, so I had TWO insurance policies, which is illegal.
We wrote to Lloyds recently.and told them to stop ALL direct debits, and only continue after receiving written confirmation from my daughter, because after the financial problems she had with her business, she has lost track on who has an authorised and valid direct debit agreement.
I can see many other people having the same predicament, surely when a plan/policy ends, it,s up to the client whether they renew it, and should be cancelled unless it is agreed to be renewed.
Any comments wold be apreciated
Razor
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