I cancelled my (UK)credit card in March this year, having paid off all the balance. Then out of the blue a few weeks ago I received a bill for £140 on the cancelled card. This turned out to be payment for a home insurance policy with direct line which I had also cancelled (two years ago!). Direct Line have admitted fault and I am awaiting a refund. Unfortunately they cannot refund the card because it no longer 'exists' since I cut it up. So I am still waiting for a cheque. However, the issue remains with the credit card. Do they have the right to make a payment from a cancelled credit agreement, even if, originally, the premium was renewable annually? Surely if I have canclled the card they should refuse payment to any creditors who present for payment, and refer them back to the customer? Did the credit card company act illegally? Can I refuse to pay?
2006-07-22
06:40:55
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10 answers
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asked by
Shona L
5
in
Credit