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Hi everyone i have been reading all the problems that you are having with swinton and insurance, i have recently had a financial review with the bank and it came to light that i am paying for insurance (motor breakdown) and (home emergency gold) both equalling £16 month which dosnt sound a lot but it adds up. i know that i never took out this as i have both of these from my bank and have done for over 6 years. i did have car insurance wit them and this was cancelled a year ago and i have a suspicion this has been done with out my permission as they had my details from the car. i know that when i rang to cancell the car last year it cost and think that this is going to cost me big time again. if its been a year then they owe me £170 at least so why should it cost me now i know if i just cancel the direct debit in the bank they will chase me for the money and im sure threatening letters would be sent i need some advise quickly please who to contact and how to stop paying thanks karren