No notification or demand letter but handed over

This is not acceptable, I missed a payment in October 2015 and in November they only deducted one premium which I was not aware off. My thinking was that they have taken two premiums as they did before.<br> Suddenly I received a phone call from Bankcol International *** demanding money (What?) on 11 December. The lady told me she was collecting on behalf of MFC, to my surprise I didn't receive any emails (comm) from MFC regarding the handing over or demand letter and now I have been charged for extra legal fees that I don't know why. According to law you need to inform me prior before taking action. I want those legal fees to be reversed as they were charged *******ly even the handing over is done *******ly. <br>