Upon car insurance renewal, I received a threatening and coercive letter informing me that 'My card company has advised us that the renewal premium has not been made and is therefore outstanding.' Which makes no sense whatsoever. They have made no contact with my card company to see if payment has been sent, they have just simply not received payment as I have not renewed. The statement makes it seem like active effort has gone into retrieving some kind of 'due debt', when in actual fact no debt exists, and no effort was made. They have stated that I should call them to advise them that my renewal was not required. This is not a requirement by law, regardless of what nonsense they put in their contract. A letter like this can scare the more vulnerable.