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Hastings Direct They might be cheap, but that counts for nothing if you have to endure the way they treat you if anything goes wrong. I added my housemate to the policy, which was a tortuous process. Then without permission, they kept her bank details and then took money out of her account, (not mine) just before Christmas last year, which left her financially knackered. This would have been bad enough. They then claimed that they'd informed us this would happen in a letter, and despite us reading the letter to them over the phone, would not admit they were in the wrong. They eventually gave us some nominal "hush money", but I didn't ask for or agree to this. Then, they messed up my renewal again (penance for causing a fuss?), and because they didn't act on it when I asked them to, they then tried to stiff me for an extra £500 quid "the next cheapest quote". Hmmm... Forgot to mention this earlier, but when they didn't act on the renewal, rather than telling me they hadn't done anything, they informed DVLA who wanted to take legal action. Of course HD didn't think this was worth mentioning to me. This prompt from DVLA meant I found out that HD had done nothing and that's when they said they wouldn't honour the original quote, even though it was their fault. They did in the end, after more 0844 calls and misery. On top of all this, they have now sent me a renewal quote for.... £500 more than last year. They are fully aware of the stress and financial injury they've put me and my housemate through, yet still try to fleece me at renewal. I've asked for them to comment on the legality of holding non policy holders bank details and taking monies with no authority - no response. They informed me in a letter that they'd deal with this complaint - no response. They told me that someone senior (above a gentleman called John McGrath) would call me - no response. A customer services member of staff wrote to me, informing me that if (!) I was unhappy, on top of the complaint, I could take this to the Financial Ombudsman, details enclosed - no enclosure. I've asked the Financial Ombudsman for advice. They ask that I exhaust my complaint with HD first. What do you do if they promise to call and deal with it? Learn from my and others experience. Run a mile from this lot.