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  1. I had a similar experience to you. You are not alone, believe me. If you have NEVER SIGNED an agreement on the household insurance policy then they will have difficult pursuing you. The policy IS not been fully executeD until it is signed by both parties. Read the CCA! They would have to argue it out in court. But I doubt it would get to court! You must write a letter to them asking for them to prove that you signed a credit agreement for the home insurance. If you never signed it chances are they can't produce it unless they fraudulent copy your car insurance signature. Which is totally illegal and criminal and you should report them to the police! They are notorious for not fully executing insurance policies, because people forget to return their credit agreements. But what people then forget is they are not fully insured! Swinton won't bother telling you, they will charge you £24 for not signing it and not tell you either - they just say your not covered - your fault for not returning you signed agreement! Please see your outgoing monthly repayments you have been making on you bank statement if you pay monthly - they are more than likely to put the charge up on the car insurance so they have probably taken it anyway. My best advise is to complain the the Consumer Direct - they'll contact you - write a brief complaint on their website and also complain to the OFT and ring the FSO and complain to them. Only they can do anything. They need evidence to take action against this rotten company before they can do anything. My advise to everyone out their. STAY AWAY FROM SWINTON.
  2. Please complain to the Financial Service Ombudsman (FSO) and the Office of Fair trading (OFT) Consumer Direct. Contact details on websites They will be most interested to hear from you to gain evidence against this rotten company. You may never get your money back, but they will try and help you! Also check whether you ever signed your credit agreement. Swinton are notorious for not fully executing insurance policies. Then they refuse to pay if you try to claim!! Please be warned everyone!
  3. Please report all your bad experiences to the OFT AND FSO. They need evidence, until they get it Swinton will keep trading. DO NOT USE THEM!! YOU HAVE BEEN WARNED! Truely arwful company. Should be call Swindlers!
  4. I had a DX card. Tried to rearrange delivery but got a text saying can't deliver on date chosen (Saturday). The tried to access their internet site but couldn't get the web site concerned. Goes straight too NETNAMES!!!. Very strange since I'd accessed the web site before. Very unsure what to do now! I'm not ringing them not if its a [problem]. They can go to *****!!!!!!
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