~Hello, I need some advice.
Recently my husband and I changed the way we manage our finances. Basically this meant that we would put money in my account to cover outgoings (I was recently made redundant so don't have a proper income).
We overlooked a direct debit for pet insurance for 9.99 and so the payment was not made.
I was therefore charged 8.00 by my bank. I then received a letter from the insurance company saying that they would try to take it out again, but would take out 10.00 ontop of the payment to cover administrative costs?
I don't remember reading about this in the contract but potentially it was there.
Is this all legal etc?
Is there anything i can do about it as it's blooming annoying, especially when you consider that if I needed to make a claim right now (before the payment is re-requested) I probably wouldn't be covered?
What do you think?