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  1. Hi there, I purchased a new vehicle on 10th October - that came with 7days free insurance, I therefore rang my previous insurance company to cancel the policy after receiving their renewal booklet (halifax car insurance) & arranged cover via Hastings to commence 18th October - they took a payment straight away of £32.89 On the 19th Oct, I received an email from Hastings saying On the 20th I sent this documentation through including the 2 other drivers details. On 27th I received a letter that stated the same as the email, so called them saying I sent this information through on 20th - they confirmed receipt but no one had looked at it due to back log and is now in the pipeline for review and not to worry as I am still insured until everything I sent is reviewed. 30th Oct - the first monthly payment of £27.63 leaves my account by DD. All good I thought... how wrong was I..... about 40mins ago I receive a text & email from Hastings stating that I've rung them to discuss and they have said it's because I've fraudulently declared the incorrect NCD as they have checked with my previous insurer and as a result the remaining value of the policy £255 will be deducted via the card they have on file. requested a manager to call back which will be upto 4 working days. I ring Halifax car insurance, who have told me, yes the documentation that was sent to me states 7 years No Claims Discount, BUT that is based upon a renewal date of 5th November - and as I cancelled the policy prior to the 5th, it means I loose a year NCD, bringing it to 6yrs NCD which is what they've informed Hastings!. They've said someone will call me back in 24hrs as I am raising a complaint. In the mean time I've cancelled my debit card & direct debit for Hastings so no money can be taken. I do not understand as to why they have said I've committed fraud & should be penalised when the document I received from Halifax state 7yrs NCD - but their systems state 6yrs. Any suggestions --- in mean time I'm now looking for another car insurance provider as I have to take car in for first 1000mile check in the morning & be issued a courtesy car - cant do either without insurance...
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