Hi All When taking out a Debenhams store card (actually a Santander card) my naive offspring (a student) was then sold a card protection plan by phone (seperate company). There was a 21 day cooling off period. Here's the rub. The first time we noticed this was on the end of month statement sent by the bank and we cancelled immediately - well within the cooling off period. However the card protection firm are claiming 21 days started on date of phone call - not when money was first requested. Would have thought it started on request for payment. Anybody else had a similar issue? Thanks for any assistance

Thanks for that. Was not sure if key point was its a civil claim or the argument that they have to prove who was driving. Had not realised though that as I actually had a ticket (which they have admitted) their claim for loss would be irrelevant anyway. I will happily ignore them and let them pay for some postage - and take the previous advice on this forum if they call Cheers again

I too received a fine but because the ticket was not displayed correctly. I appealed on the basis that I had a valid ticket but that it had turnd over when the car door shut (as these tickets did not have a sticky part). They unsurprisingly rejected it. Question is can I still just ignore on the basis that they legally cannot force me to pay or have I an issue by appealing and in effect admitting I am the driver. Needless to say I appealed before reading all this. Would love to just ignore these cowboys but if the appeal is an admission that would stand up in court would not like to chance it. Garteful for any advice. Cheers