i took out a van insurance policy with budget 1 paid £100 deposit and the rest was to b paid by instalments,aftre 18 days the van went to the scrap yard i rang to cancell the policy ,budget told me it was £35 cancellation fee which the deducted off my debit card,also i had to pay another £48 which again they took from my debit card,when i cancelled i told them not to take any more money out of my account but they did ,is this legal or is it theft