Hi Folks I have also been subject to "Its 4 Me" £25 Admin Fee. My £17 Direct Debit was returned because I would have gone O/D by £7 (for which Bank of Scotland charged me £39 as a result). I sent a 'cut and paste' version pf the preliminary letter via e-mail to 'Its 4 Me'. I received a very prompt recorded delivery response today saying that "It was cleary stated in the Pre Contract Information that a charge of £25 would apply to any Direct Debit that falls into arrears." and then gave me an address to contact if I wished to dispute this. I cannot remember receiving the pre-contract information. The only documents I have are the Insurance Certificate, and the letter for this years quote saying that my cover will continue unless I say otherwise, as the Direct Debit is already set up. After all that pre-amble, my question is this, should I continue with the LBA?