Tweet
Hi
I hope this is in the right place
I have my home contents insurance through a company called Home Protect . The insurance was due for renewal on 25th sept which I agreed to and was told that the payment would come out of my bank, as usual on 25th of the month. I pay by instalments .
Anyway , by 28th no money had come out of my bank so I called the insurers to as why (things are a bit tight at the moment and I need to know exactly when money is coming out. I was told that nothing was registering for the DD but I could make a payment over the phone. I did this as well as giving new bank details ( I am changing banks to Yorkshire) and while on the phone cancelled my existing DD with my bank online.
Yesterday I received emails with thanks for payment as well as a "Your right to cancel'
Today i received an email with a link to a letter that was a default notice and a saying they couldn't collect my monthly payment and that i needed to contact them and make the payment along with the default charge of £20. I tried calling on an 0844 number but after going through the dreaded voice activation service I was told there was no due payment.
I searched through my emails and found that one dated 25th had gone into my spam box which said that the payment would come out of my bank tomorrow 2nd Oct , it seems I had panicked unnecessarily.
When I tried to look at my agreement to see what the clauses were I had supposedly breached it said my account was in default but how can it be as a) the payment wasn't due until tomorrow and b) they had the payment already
I have written a letter that i will post tomorrow complaining, I have explained what happened as above and asked them to clarify that
There is no default fee due, there is no default, nothing will be reported
Confirm that they have my new bank details (the online form still shows my old ones)
Explain how it can show as a default when it is all paid up to date and I have provided my new bank details
Another thing that I want to know is this
Voice activated systems, do they fall foul of the equality act as people with certain disabilities can not use them particularly when letters are needed ( I know some will let you use your keypad to input numbers). I know often after a certain number of attempts it puts you through to a person but that can be very frustrating and quite upsetting if you are sensitive about the way you speak.
I am sorry to go on for so long
Thank you in advance
Sorry I should have said, the premiums are paid through premium Credit
I hope this is in the right place
I have my home contents insurance through a company called Home Protect . The insurance was due for renewal on 25th sept which I agreed to and was told that the payment would come out of my bank, as usual on 25th of the month. I pay by instalments .
Anyway , by 28th no money had come out of my bank so I called the insurers to as why (things are a bit tight at the moment and I need to know exactly when money is coming out. I was told that nothing was registering for the DD but I could make a payment over the phone. I did this as well as giving new bank details ( I am changing banks to Yorkshire) and while on the phone cancelled my existing DD with my bank online.
Yesterday I received emails with thanks for payment as well as a "Your right to cancel'
Today i received an email with a link to a letter that was a default notice and a saying they couldn't collect my monthly payment and that i needed to contact them and make the payment along with the default charge of £20. I tried calling on an 0844 number but after going through the dreaded voice activation service I was told there was no due payment.
I searched through my emails and found that one dated 25th had gone into my spam box which said that the payment would come out of my bank tomorrow 2nd Oct , it seems I had panicked unnecessarily.
When I tried to look at my agreement to see what the clauses were I had supposedly breached it said my account was in default but how can it be as a) the payment wasn't due until tomorrow and b) they had the payment already
I have written a letter that i will post tomorrow complaining, I have explained what happened as above and asked them to clarify that
There is no default fee due, there is no default, nothing will be reported
Confirm that they have my new bank details (the online form still shows my old ones)
Explain how it can show as a default when it is all paid up to date and I have provided my new bank details
Another thing that I want to know is this
Voice activated systems, do they fall foul of the equality act as people with certain disabilities can not use them particularly when letters are needed ( I know some will let you use your keypad to input numbers). I know often after a certain number of attempts it puts you through to a person but that can be very frustrating and quite upsetting if you are sensitive about the way you speak.
I am sorry to go on for so long
Thank you in advance
Sorry I should have said, the premiums are paid through premium Credit
Comment