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  1. I am very upset after reading the email from Hastings Direct Smartmiles, threatening to take £152 from my credit card and if I don't pay up, they will ruin my perfect credit history. I made the mistake of putting 8 years No Claim Bonus instead of 9 and the woman operative told me that according to the live rate this moment, I will have to pay £159.53 (£25 admin fee) on top of the £800 plus I paid last month (my son is 19). I was very shaken. I kept telling the woman that I did not inflate the figure with a view to lowering the premium. I made a genuine mistake of giving 8 years instead of
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