Hi- I'm hoping someone can advise me on this ongoing situation with Budget Home Insurance! In Nov 2011- I applied for home insurance as per mortgage requirements. They took a payment of £17.46 and sent me policy documents and I thought nothing of it, assuming that I was covered and they would direct debit me monthly. I didn't monitor them as it was a very busy period and then subsequently forgot about it. I did not notice that this was the only payment they took from me, and nothing more. Now in 2013 I have received a letter from them saying that I owe them £80 for cancellation and I assume back dating what they think I owe them? I have no idea what this represents or if I do owe them this amount, as I'm pretty sure that I was not insured at the time. What do I do about this?? Thanks