People's Trust Insurance Company I had the insurance on my home for one year. The company sent me a new declaration page with a much higher yrly payment. I called their office in Deerfield and told them I cannot pay that amount.  Deerfield Beach Florida

My  homeowner's insurance policy with Peoples Trust ended on 11/1/20.  In October, their office sent me a renewal letter requesting a higher rate for the same insurance.  I called their office in October and informed them I could not pay the increased amount of $600. more for yearly coverage. I explained I am a senior and receive $1300.00 each month. I could never make the payments they required.  Their rep went over the charges but could not lower the insurance costs in order for me to afford it.  That was it, I thought. It was cancelled, done!

  I never heard from them on-line or by mail after that.  When I received my November bank statement which covers transactions from 10/13 thru 11/10, I saw a $300. withddrawal from my account going to People's Trust.  I called them immediately, and they claimed I still had home owner's insurance with them.  They had taken out the first payment on the higher priced home insurance I had refused to take when I spoke to them in October.  I informed them I did not accept the new insurance, I did not sign any paperwork stating I wanted the insurance.  As I stated, I had never heard from them after that October phone call.  They informed me I did had insurance with them and in order to cancel with them, I had to sign a cancellation request/policy release. 

I told her I was never informed of this cancellation form I had to sign when I was on the phone with their rep in October, and that I would have signed it immediately had I known.  In addition she said I had to have signed with another insurance company before People's Choice could release me from their policy.  I told her I owned my home and did not have to buy insurance.  There was not a bank involved.  Also , I never received a new Insurance delaration page or insurance coverage information for the new policy they supposedly gave me. I never received an invoice for the first payment  of the $300.  Also a payment schedule is always given to when payments are due and how much each will be.  I never heard from them!!!  I believe I never had a policy to begin with following the one I was led to believe I cancelled on the phone call in October, 2020.

They have continued to bill me  -- another payment of $135.00 was taken from my checking account on December 6.  I called the bank to inform them of this fraud.  Also, they told me now on my latest contact with them,  I had to sign a Cancellation form from them to stop these payments.  They e-mailed over and I signed it on 12/22.  I feel they made me sign this cancellation form dated 12/22 so they can say I did not cancel until 12/22 and they were in their rights to take money from my bank account without a policy with them. I have really been swindeled by them and do not know how to get me money back.  If anyone reading this can help I would appreciate it.