thank you. I am currently waiting for the FSA to help me over my car insurance.

I paid for a years insurance, in January, through BUDGET (BISL), on my credit card.

They cancelled after 1 month, because they got my NCD proof 3 days after their deadline.

Before the deeadline was reached, I gave them the details of my previous insurers who they refused to contact.

Initially they only gave me back £157 from £403.5! then they refunded all but £40 charging me 10% for 1 months cover.

I need my car to get back into work and because I have a bad knee, getting worse from having to walk.

Can't afford taxis on benefits! If I re-insure it will cost me £761 ...or... £291 (BUDGET!) with the 'cancellation' notice removed!

I have the chance to get back to work... but need use of my car.

BUDGET/BISL have really screwed that up for me...in a tiome of recession!!

In my eyes, these people are criminal extortioners. Even though I have full NCD, gained over 17 years

and have always paid to protect my NCD, I've had to pay more every year.

I'm looking at £761 for someone with 17 years of no claims, no points, or warnings.

A clear record at age 55. I've had my licence since 1991. BUDGET would be charging me £291 from 1st August!

That's a difference of £470, almost 3 times the lowest rate I'd qualify for, of £251

The under writers are a company named MMA who have just bought out Provident/ Gateway

BUDGET told me they had no contact details for me to get in touch with MMA...

I found that strange and thought it seemed rather secretive for a Public Company.

The first time it's ever gone down, BUDGET/BISL are making a farce of my good safety record and NCD;

stopping me from getting back into work while I have the chance, and causing me more pain

and damage to my injured knee. I'm having an xray this week to see the state of the injury

from having to walk on it instead of using my car.

If anyone has any advice on how to get justice, please let me know.

C.M