hi there all i wonder if somebody could give me some advice regarding insurance company insure your motor. i took out a policy in November 2007 and they wanted a deposit of 45.00 which my friend agreed to pay on her debit card and i payed her with cash. after my friend had paid the deposit the insurance company wanted direct debit details so that they could take the monthly installments. so i gave them my direct debit details. a couple of months in to the policy i had a disagreement with the insurance company as they wanted to charge me more. in the end they canceled the policy and i went to another insurer with no problems. until i receive a phone call from my friend saying that insure your motor had taken two installments from her credit card even though we made it very clear that my friend was only paying the deposit thats why they wanted direct debit details. i rang insure your motor where i spoke to the most arrogant person you could ever speak to he told me that they were allowed to take money from my friends card as we agreed to it in writing. i do remember them sending a form regarding my previous insurers and about no claims bonus but the guy says that i agreed to give them authorization to take money from my friends credit card and that because i did that iam the one who will get into trouble and really tried to palm the problem off on me in an attempt to think i will be done by the police. i then asked him to send me a copy of this agreement and he said he would and i will receive it within 7days. after going through all my paper work i find the credit agreement both copys which i had not signed and sent back and also a direct debit mandate which i forgot to send back. i would really apreciate if somebody could advise me if the insuarance company are in the right and can by law take money from somebody elses credit card without the card holders prior permission surely i couldn't give the insurance company authorization to take money from somebody else's card but the insure company are saying that i did give them permission if thats the case then why did they take my direct debit details for the monthly installments. i made it very clear to them that my friends credit card was for deposit only thats why i set up the direct debit with them at the same time my friend also made it clear to them as well when she gave her card details to them . it was the insurance company's idea for me to get a friend to pay the deposit because i couldn't at the time because i didn't have a credit card they kept ringing me for days on end regarding the deposit so i finally gave up and asked my friend to pay the deposit. iam at my wits ends with it all and getting nowhere with insure your motor iam sorry for the length of my post and would appreciate some advice on this matter. kind regards annmarie