AA car insurance LEGAL or ILLEGAL where do i stand

10
Found 11th Jun 2010
just got a default notice of the AA and they say i need to pay £69 (2 months premiums)
i rang them and cancelled at the end of march as i no longer needed my old banger as i got a brand new lease car from my employer and had to use there insurers.
the AA are telling me i never cancelled or there would be a flag on my account and there is not so i have to pay however i did phone them so not sure why there is no so called flag on there system. I have paperwork showing that i toke on a lease for a 10 plate avensis on the 31st march yet they say i have no choice but to pay.

Where do i stand i am fuming at this and dont want them to end up messing my credit rating up yet dont see why i should pay them for 2 months insurance i cancelled and also did not need as i was driving a much newer car insired under a different insurer any advice please!!!!

10 Comments

when i cancelled mine i got a letter in within a few days of cancelling just to comfirm things did you not get that?

Do you have any phone records that show you called them? Either way, call them and ask to be traqnsferred to a supervisor. Tell him the details about your call (date/time etc) and I am sure they will help you out.

Original Poster

wulshaz;8816958

when i cancelled mine i got a letter in within a few days of cancelling … when i cancelled mine i got a letter in within a few days of cancelling just to comfirm things did you not get that?



no letter , but i had some one call me about three weeks later enquiring about my break down cover and i said i no longer needed it as im not driving the car and my insurance is cancelled

Original Poster

Mana786;8816964

Do you have any phone records that show you called them? Either way, call … Do you have any phone records that show you called them? Either way, call them and ask to be traqnsferred to a supervisor. Tell him the details about your call (date/time etc) and I am sure they will help you out.



i rung from work not that im supposed to but doubt they would have records as i work for a large automotive manufacturer and the plant is massive and must have easily a few thousand different phone lines (internal network)

Banned

shamus1975;8817033

i rung from work not that im supposed to but doubt they would have … i rung from work not that im supposed to but doubt they would have records as i work for a large automotive manufacturer and the plant is massive and must have easily a few thousand different phone lines (internal network)



well you are screwed then

Try calling back and speaking to a manager

do you normally pay by direct debt? if so who cancelled it?

Original Poster

Chuckles1001;8817157

do you normally pay by direct debt? if so who cancelled it?



i did after i cancelled it

Original Poster

tinkerbell28;8817223

Hubby had something similar recently. New policy and they didn't take the … Hubby had something similar recently. New policy and they didn't take the dd for one of the cars, a month later issued him with a default notice. SO immediate panic as bad credit in his job was a huge no-no.Turns out they never activated the dd although it was showing as set up, so their fault they admitted it and he never noticed as he was away they hadn't switched it on from their end even though we'd checked it had been set up ours via the bank.They said they don't record it on your crf unless you don't try and sort it out and they world the letters strongly to stop people cancelling the dd and driving around uninsured aka roadwars.



yeah i understand that i tried telling them why would i drive round in a 13 year old escort when i have in my possesion a 2010 plate avensis fully insured in my name and the only driver on it????? but they would not have this just said if i have sold the car and show them proof of when it was sold id just have to pay to then but i have only just sold it 2 weeks ago, before that it as been parked up on a private carpark and not been driven, i have paperwork and insurance showing i have had the new car since march the 31st

If you cancelled the DirecT Debit at your bank, then they would have been sent an ADDACS advise from your bank through the bacs system to advise them that you had cancelled the Direct Debit, this is normally recieved within 3 working days of you cancelling the Direct Debit. At this point it would not be unreasonable to expect that the AA should have contacted you to enquire as to why the Direct Debit had been cancelled and ask how you intended to make future payments towards the policy, if they really did not know that you had cancelled the policy. As they didn't contact you, but instead let the debt build up without your knowledge resulting in a defualt notice eventually I would argue that they have been neglegent. I would make an official complaint to them, asking for their set complaints guidelines to b sent out to you, and advise that you have every intention of taking this to the FSA and any other regulatory body by whom they are goverened unless you recieve a satisfactory resolution to your complaint.

Original Poster

toke your advice the two post's above just come of phone to them they have no set complaints guidelines believe it or not they are passing the number i called from and the date an time to there specialist departement and will call me back in 7 days argggghhh bloody idiots i wont be using them again not even for breakdown
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