Anything I Can Do?

[jeahh48]

Two years ago I purchased a car and telephoned a broker who arranged the insurance. Paid the first installment and thereafter set up by direct debit.

However, three weeks later, a car ran me off the road and drove off. Insurance paid out on my car (write off) then heard nothing more until a few weeks later, I received a letter stating that I owed the remaining amount of the years insurance (I had cancelled the direct debit) after the payout from the company.

I tried to inform them they were not correct but an email that I had received with my documents stated in the T&Cs exactly confirmed this.

To cut a long story short, I was issued a CCJ. This was issued against my parents address (I was staying there for a short time so obviously gave this address to the insurance company). I now live abroad and have done for nearly two years - can I get the CCJ removed from my parents address as worried it may affect their chances of credit etc?

The CCJ is against the person, not the address.

Hunter is correct. If your parents applied for credit, only their details would show up, unless you were financially linked for any reason.
And not the point of the thread I know but of course you would have had to pay out your full years insurance otherwise people would be claiming after paying only one monthly payment and thinking that was the end of it.

you can't normally just cancel insurance in the middle, i tried to cancel when no longer owning a car and it was a faff. how did you cancel?

Also, if you could cancel the insurance in the middle how would people who paid a lump sum get their money back if they cancelled the policy? The policy costs x amount - they allow you to pay over instalments for your own convenience. If course you have to pay the whole thing!

Have you paid off the debt? Clear the CCJ, and at least it will show as satisfied rather open.
But yes, of course the rest of the insurance is due.

Yes its all paid.

Just wanted to know regarding how this being on address would affect parents - but thank you all for your kind replies.

If your car was written off and not your fault it wouldn't be you paying off your insurance anyway - it would be the other driver.

The remainder of the premium is obviously owed - nut the insurer cocked up to some extent by paying out without deducting this reasonable debt. I expect that this was because often when you buy insurance in installments what is actually happening is that the insurer gets their full premium from a separate company who agree a 12 month loan with you.

Anyway - if the debt is paid then you parents can have a notice placed on their credit score files to say that the discharged CCJ was incurred by their DD who no longer lives there and has no financial ties to the address. That may help. I certainly works in the case of ex-housemates who have bad credit but it might be that they treat such notices differently if it is family. You have to register this dissociation at all the different credit score providers.