Hi everyone, I am posting here for some advice. I have insured my car with Diamond for over a year. In August, I bought a new car and contacted Diamond to update my policy. The staff member I spoke to advised me that he had temporarily changed my then current policy (which was coming to an end) to my new car, and started a new policy which he said would insure my new car from September and reassured me that I would not have to do anything else. I paid £100 upfront for this and have been paying £60 monthly since. Last week, I received a letter in the post from the MID stating that my car was not registered as insured. Puzzled, I phoned Diamond and explained the situation, it turns out that the new policy was still registered for my old car, and that my new car had in fact been uninsured the whole time! I was very shocked and surprised and expressed this to the salesperson, who told me it would be a £20 admin fee to change the policy over to my new car! Which it was supposed to be changed to all along! I absolutely refused to pay this, and he did then remove the charge. Where do I stand with this? Am I liable to be reimbursed for any of the money that I paid towards insurance for a car which had been scrapped in August? Or does the duty lie with me to further check the documents? I specifically remember the salesperson reassuring me that I didn't need to do anything extra for my policy. I had received one email on 19th August stating that my policy had been updated to my new car, so hadn't looked any further, although the salesperson from Diamond (when I spoke to them yesterday) said there was no record of my call to them on that day. Any advice would be greatly appreciated. El

Hello everyone, I am very sorry to be posting such a familiar tale, but am also thankful to have come across this site. I joined Xercise4less as a rolling monthly member in February, as I knew that I would move before the year and chose not to sign up to a years contract for this reason. I moved away recently, so went in to the gym in October time and spoke to a member of staff about cancelling the membership, they advised me that I could cancel it when I liked as I was a rolling monthly member, so I cancelled my direct debit and thought nothing more of it. Until..... I was checking through my email and had received one from Harlands stating that I owed £19.99 and a £25 admin fee, which would increase by £25 if not paid by 6th December. I thought there must had been a mistake, so contacted the gym. The member of staff I spoke to admitted there had been fault by the staff who was new and not aware of the procedure, although said it was nothing to do with them, and I was subsequently passed from pillar to post between Harlands and Xercise4less with both feigning ignorance and saying that neither of them could clear the charge. I offered to pay the original £19.99, but not the £44.99 given that this was due to miscommunication, however I did this by phone and the terrible Harlands staff member was just very rude and said there was no way she could remove the charge without confirmation from the gym that they were at fault (which they refused to do) and told me that I just had to pay (which I didn't). Of course I am very anxious about being charged a lot of money/being chased by debt collectors, but have found this site reassuring. Please could someone advise me of the best course of action? Thank you in advance and best wishes, El