Hello all, Having a spot of bother with the Swinton. Not really sure how to go about sorting it. It's a long story so I apologise in advance. I took a policy out with swinton on the 9th of January 2013 for car insurance online. Two days later I received a courtesy call for a Swinton rep who explained that I would receive some documents to sign and would need to return them in 7 days failure to do so would incurre a £24 charge (Nice welcome). He mentioned my no claims and that I would need to send to a copy a.s.a.p. I explained that I had not received it from previous insurers. He then told me I had 14 days but also said 'Don't worry, if you have any problems we can contact them on your behalf'. I contacted previous insurance and they said they would send one out. A few days later no sign of my Proof of no claims and we were hit with snow. I called Swinton to explain and suggested with time being short and weather being bad that it would be easier if they contacted my previous insurer and requested proof be faxed. I was told that Swinton does not contact previous insurers and that it was down to me and if I did get the PNC they said I would be charged an Admin fee and I would have to pay a higher premium. Slightly annoyed now as this was not what was said during a courtesy call, I said that I would have to cancel that snow isn't my fault. So seeing a I had 3 days of the 14 day cooling off (or so I thought) I wanted to cancel now. I was told I could cancel but I would have to pay for time on cover (fair enough) £50 cancellation (annoying be fair enough) and additional £74 for Admin fees. Not happy - told the guy I would call back. Called the Ombudsmon they said the £74 sounded suspect. Called Swinton again talk to someone different who said not to worry I actually had until the 9th of Feb. Ok I thought.. Couple of days later I received a Cancellation notice from Swinton as I had not provided PNC within the 14 days. Quite annoyed I wrote a letter of complaint. As it was a weekend I would be able to post it recorded until the Monday, during this, Swinton took first payment of the supposedly cancelled policy so I had the bank reverse it. The Monday morning I received PNC so I sent a copy of it with a letter (recorded) to Swinton complaining and giving 7 working days to reply. I had no reply. I called was told that it was an admin error and the policy was still in place. Due personal matters I reset the direct debit and carried on with the policy. Originally I set the D/D up for the 29th of each month due to Feb only having 28 days this year Feb payment would go out on the 2nd of march and then marches payment would go on the 29th and the 29th there after. Feb's payment went out on the 2nd. March 29th payment didn't. I called Swinton.. again... And was told that according to their system D/D payments where set for the 2nd of each month. fine I thought until last months payment went out on the 2nd and the 29th. Really annoyed at the miss information I reversed the 29th thinking Swinton had made a mistake and left the D/D setup so payments could be take on the second as agreed. This morning I received a letter from Swinton telling me that my insurance has been cancelled and I now have seven days to pay £244. If I do not then they would charge the card used to make the deposit. If that fails they will pass on the debt to a collections agency. I don't know what to do. Phone calls get me nowhere. Writing to them gets no replies (even sent recorded and threats of ombudsmun). The ombudsmun can't step in without a dead lock letter and I would need to follow Swinton complaints. Which means writing to local branch (who don't reply) and then to head office and going by the calls I have made will more than likely divert matters back to local branch. I'm happy to write to these idiots but time is very short. I can't really take the hit of paying £244 to Swinton and then X amount on another policy. Any suggestion would gratefully received. Thank you all. Gaz Again sorry about the novel.