To think this company are being totally unreasonable

[dilemma456]

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YANBU. Can you phone the bank and report it as a fraud - see if they will reverse the dd. Also moight be worth trying la company again and saying you think it is theft and will report to the police if they don't deal with it now. Are you absolutely sure noone else could hgave set it up though - e.g. a DP?

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Maybe you should try saying that if they don't respond to your request, you will report them to the insurance regulator (the FSA) for attempted fraud. That might get them moving.

are you sure it isn't a change of name by another company?

would you have a DD going out around this time anyway?

agree with others who say take it up with the bank.

Totally understand how you feel. A credit card protection company charged my card with £70 in October and that's me just managed to get the money back!! They kept asking me the same thing what is your policy number??

For a direct debit to come out of your account surely you need to have signed forms so I would go back to your bank and get them to sort it out.

The bank cannot take the direct debit unless you have authorised it. If it is not legitimately taken, your bank is responsible for repaying it to you. Ring your bank and raise it asap.

Any problems contact BACs.

is there a chance they may have changed names and been taken over by another company?
Our life assurance was with one company but we got letters saying they were, from a certain date, going to be part of a different company so we have a load of documents with one name and then another load with the new company name!
Have you tried giving the company a call with your existing policy details and asking them if they have taken over that company as your policy is with x-named company and you've not receievd anything to say they are changing name? nIf that is the case, they should accept your policy number from the original documents.
I can't think of any other reason your bank would have allowed such a debit to be withdrawn from your account. Otherwise, call your bank and insist they refund your account as you have not authorised them to debit money to that firm and then the firm can write to you if they are correct in their demand.
Is the amount very far off what you usually pay for the insurance?

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The bank are fobbing you off. See these instructions - you should be entitled to a refund. Hope you get your money back.

BACs helpcentre

Oh, sorry dilemma I assumed you had children

In that case I can't see why your bank isn't doing more as they shouldn't be authorising any debits from your account without your permission and once told you didn't give your permission, they should be rectifying it

Could it be a year's worth of car insurance or anything car related?

Get your bank to refund you under the direct debit guarentee. Quote that word for word and get a supervisor if they shilly-shally about.

I expect some numpty somewhere has entered an account number incorrectly rather than it being a fraud. In fact, I would strongly recommend you do not suggest it's a fraud as they will pass you to another department and take longer to sort it.

Your bank should have sorted it out the minute you rang. Make a complaint to them about how they've handled it.

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The bank may not debit your account without a valid Direct Debit Agreement, which should be signed by the account holder. Any money debited for which there is not a valid DDA, it is the responsibility of the bank to refund immediately to the account holder and to chase the originator of the DD. Phone the bank and ask them when the DDA was set up, who it was signed by etc.

dilemma - oh sorry, it was a pretty fair assumption though as it's pretty essential if you have dependents IMO!

Phone yur bank OP - explain to them that you have no idea who this company is & that you didn't authorise the payment they can recall the payment for you as well as cancel the DD. They can do this so do not let the bank fob you off.

Hope you get your money back!

display - is it? I don't have it, didn't think I needed it as I don't own a house or anything.

Dilemma - the bank should refund this under the direct debit guarantee I think. Threaten them with the ombudsman if they refuse.

I seem to remember you were burgled recently - could this be connected at all?

Oh and displayuntiltwelfthnight, for many people life insurance is a luxury they simply cannot afford!

OMG I am horrified at the number of people who insure their home and car but don't have any cover for themselves.

I will start a new thread and see if IABU.

ButterPie - life assurance is important to protect anyone who relies on your income, ie children and other dependants.

If you don't have children, it's not an issue but once you have people depending on you it's important so that if you die they are protected and it's not expensive.

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