Hi

Just as my PTD was starting in June I changed by home isurance company as their renewal quote was much higher than others on price comparsion website.

I wrote back to them, enclosing the new insurance certificate, advising that I was intending to take out insurance with another company and cancelled the direct debit with my bank.

A few weeks later I got a letter saying they were cancelling my insurance because I hadn't paid the first installment and they were charging me another £75 cancelation charge. I tried to contact them to advise of their mistake, and that there was no need for them to cancel policy as we turned it down prior to it commencing. They said they could not speak about it as it was now passed to a debt collector.

A few days later I recieved a letter from the debt collector, I phoned them and explained the situation with the company, but I get the feeling they are not really interested and want the money regardless. I have since got a letter from their solicitor informing me that there will now be additional court charges if I don't pay the current bill (£100), but I really don't see why I should!

After speaking to their solicitor he has requested that I send proof of new insurance, which I did, but a few weeks lapsed between the new policy being taken out and the old expiring, as I could not afford the initial down payment until I got paid at the end of the month.

If I do have to pay this, can this debt be included within the PTD?

Thanks

PB