Every 17th of the month I pay my car insurance, as you do. On September i missed a payment due to recieveing a cheque instead of cash
but no problems I waited for it to clear and payed by phone. This happened again the next month, payed couple days late due to cheque clearing.
Then I recieved an email from quinn-direct telling me I missed my payment and that was strike 2, 1 more and direct debit/insurance would be canceled. So i called quinn and asked them to change the direct debit from 17th to 28th incase i had the problem again. They said no problem and it will be done.
28th November passes and nothing comes out. I waited a few days and then decided to call to see what was going on. The woman I spoke to said the direct debit has gone through and will take a few days for the money to be taken out, she then tells me to call the bank to make sure it processes. I call the bank and the woman tells me she will allow the direct debit through, job done.
Today I receive a letter from quinn saying that my bank "declined to process the direct debit again" and now they can no longer offer the direct debit facility. It then goes on to request the remainder of my insurance £900, which has to be payed within 14 days from the date on the letter (7/12/09), which leaves me with 10 days to pay £900!!
I dont have that kind of money considering the time of year and now i have no idea what to do. They say the direct debit was declined AGAIN but why did they not contact me? I could have easily sorted it out but now i have to pay up or not drive
What should I do?