Hello, my name is***** am a qualified lawyer and it is my pleasure to assist you with your question today.
Are you a business?
Hi there, there have been various challenges in relation to rolling contracts and whilst they have been outlawed in some sectors, there is no blanket restriction on the. This means that whilst they are banned in certain contracts, they are allowed in others. For example, Ofcom in has prohibited rolling contracts in the fixed voice and broadband residential and small business sectors. The cover you have is not automatically banned from using rollover contracts so the fact that such a contract is in place will not mean it is unenforceable.
What would potentially make such contracts unenforceable is if the rolling nature was not communicated to you properly, for example it was hidden in the small print or it was misleading. Also if you were never issued with the contract t can also be unenforceable.
In the circumstances any issues should be resolved directly with them. If no solution can be found you can take the matter to the Financial Ombudsman for free:
Finally, you can just cancel the payment and let them take this further if they want to. They cannot force you to pay unless they take you to court and win and in the circumstances that mat be somewhat difficult for them.
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No it is not, but that does not automatically make it unlawful or unenforceable. As mentioned there are already examples in other industries here such contracts are forbidden but it is not the case for this type of contract as yours. Saying that there are still options for you to try and get out of it as mentioned in my original response.
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