Has anyone had their car off the road, taxed, not insured and insurance company looking for payment?
They tried to take payment for a years insurance from a credit card which has since been cancelled. Since all their correspondance was to my old address, I had no idea what was going on. Now they are wanting me to pay for insurance for the period until they cancelled the insurance.
My car was 'off the road' for a period of 2 months because I was looking to sell it. It was taxed and located on private property but was not insured. I've since decided to keep the car and have insured it elsewhere. Elephant will not accept this to right off the debt. Has anyone else had this issue & how was it resolved?
Answers:
Sounds like you owe them the money unless you didnt sign a policy or contract. Sorry
If you didn't cancel your insurance, you're liable for them covering you. The fact that you didn't have the car on the road for a period has no bearing on the matter.
My advice is to pay your debt before they send it to a collection agency and ruin your credit rating.
I think you may have to pay as it is not their fault that you failed to inform them of your new address which you should have done straightaway!! Make sure you always do as your insurance might have been cheaper had you moved to a better area than where you were before. Best thing to do is to ask your local Citizens Advice Bureau - their advice is free.
since you didn't inform them--and -you didn't take the plates off and turn them in to the highway department ---the insurance company did continue to insure the car ------you owe them the money --------
There is probably something in the papers you signed with them which states you must inform them if you move. If you didn't inform them of that, and they insured you for a period of time, you owe them for at least the months they had insurance on your vehicle. Pay them. You have given the Department of Motor Vehicles your new address haven't you? For your license and your vehicle? If not, you'd better. If your insurance was canceled for non payment, they may have already taken your license.
If your car was LEGALLY off the road,
I.e You Had registered it S.O.R.N (Stat. Off. Road . Notiftcation) you may have a leg to stand on.
Else check your fine print. My Bike insurance offered to do this
buy saying, sign here and we will notify 2 wekks before re-newing, if this is the aggrement your 'fupped' if money was took.
However, the insurance SHOULD be invalid because no payment recieved..
"They tried to take payment for a years insurance from a credit card which has since been cancelled."
Yes it they sent a reminder, I had my rrenewal from Tesco and it said If im happy with the quote and details I don't have to anything as my card is already on file and they would automatically take it out - that is what probably has happened in your case.
Also you should have informed Elephant about change of address and you wanted to canceal.
If you had valid plates on the car, it wasn't "off the road" to sell.
It's pretty darned hard to sell a car unless it can be test driven; sounds like during this time, if there was an accident, Elephant would have had to cough up the money for the accident - you're going to have to cough up money for the time the policy was in effect.
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is an online ebook I found after doing a google search :
http://umgarticles.atspace.com/debt-cons.
Phone Elephant, ask to speak to the compliance officer, I suspect that this will all go away
The onus is on you to advise the insurer of a change of address or other changes in your circumstances.
When you take a policy that includes automatic" renewal it is unfair to turn round to the insurer months after the event and claim that you owe them nothing. They provided cover in good faith and would have paid if a claim had arisen.
All the trouble and expense has fallen on them because you failed to do your bit.
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