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Hi there,
Requesting your assistance urgently...
I recently landed myself in trouble... I bought a car last year around and insured it with the R.A.C, I registered my details to an address where I was living at the time. I then had a car accident in November and the car was off the road for a bit.
At the same time, I was in the transition of moving back to my parents as the tenancy agreement on the house I was renting had finished and therefore had failed to think to contact my insurance company with the change of address.
A few months later I received a letter from C.A.R.S a debt recovery agency, claiming £1769.60 so I contacted my insurance company (as they had referenced my account in the DRA letter).
The R.A.C claimed that because I had failed to make payments I had to pay the remainder of my premium. I would have complied with this request had it not been for the fact that the policy would be nulled after the payment was made and I would have to begin paying for a new policy! I therefore requested an explanation as to the reason why I had not been contacted by mobile or by email to which they claimed it was not their job to do so and contacting me by post should have sufficed.
I'm angered by a number of reasons:
1. The insurance company could have avoided this by contacting me through alternate methods other than mail.
2. The insurance company thinks that just because the policy contract says that if I fail to make payments I am liable to pay the remainder of the premium they can forget about "especial exceptions" or "extenuating circumstances" which only add to great customer satisfaction.
3. By pursuing this money they have lost me as a customer, I had no trouble making the payments, I simply overlooked thinking about insurance payments as I was not using the car, besides I always pay my CCs in full at the end of every month and never look through what I'm paying for as it is always the same amount (more or less) hence I had no reason to doubt the CC bill.
4. The Direct Debit I had set-up with them using my CC had mysteriously cancelled by itself (who's fault is that?! I'm still baffled by this).
5. The unfairness of the whole situation... I have never got myself in debt for something I could not afford and I find that a technicality in a contract could get me in this much trouble despicable.
I went into panic mode when I received this letter and have not yet made contact with the recovery agency, the last letter I received from them was addressed to my parent's house where I was living (I have now moved again to another rented property) dates back to the 30th of March.
If you could please provide me with some help I would be greatly indebted to your gratitude and would make the biggest donation I can afford to your cause.
Kindest regards
Requesting your assistance urgently...
I recently landed myself in trouble... I bought a car last year around and insured it with the R.A.C, I registered my details to an address where I was living at the time. I then had a car accident in November and the car was off the road for a bit.
At the same time, I was in the transition of moving back to my parents as the tenancy agreement on the house I was renting had finished and therefore had failed to think to contact my insurance company with the change of address.
A few months later I received a letter from C.A.R.S a debt recovery agency, claiming £1769.60 so I contacted my insurance company (as they had referenced my account in the DRA letter).
The R.A.C claimed that because I had failed to make payments I had to pay the remainder of my premium. I would have complied with this request had it not been for the fact that the policy would be nulled after the payment was made and I would have to begin paying for a new policy! I therefore requested an explanation as to the reason why I had not been contacted by mobile or by email to which they claimed it was not their job to do so and contacting me by post should have sufficed.
I'm angered by a number of reasons:
1. The insurance company could have avoided this by contacting me through alternate methods other than mail.
2. The insurance company thinks that just because the policy contract says that if I fail to make payments I am liable to pay the remainder of the premium they can forget about "especial exceptions" or "extenuating circumstances" which only add to great customer satisfaction.
3. By pursuing this money they have lost me as a customer, I had no trouble making the payments, I simply overlooked thinking about insurance payments as I was not using the car, besides I always pay my CCs in full at the end of every month and never look through what I'm paying for as it is always the same amount (more or less) hence I had no reason to doubt the CC bill.
4. The Direct Debit I had set-up with them using my CC had mysteriously cancelled by itself (who's fault is that?! I'm still baffled by this).
5. The unfairness of the whole situation... I have never got myself in debt for something I could not afford and I find that a technicality in a contract could get me in this much trouble despicable.
I went into panic mode when I received this letter and have not yet made contact with the recovery agency, the last letter I received from them was addressed to my parent's house where I was living (I have now moved again to another rented property) dates back to the 30th of March.
If you could please provide me with some help I would be greatly indebted to your gratitude and would make the biggest donation I can afford to your cause.
Kindest regards
NatWest/RBS Mint - (Un)Helpful banking 
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