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  1. 'Hi Fellow CAGers I would like clarification please on whether a 'statement of detail' (the info car insurance companies collect from an on-line application) is a valid contract or not! I got a call from Swinton this month (Oct) saying my car insurance was due. Trouble is I took out my car insurance with the AA in Sept '10 as this is when I thought my insurance had run out. However, Swinton now want £50 cancellation charge from me, even though I had 2 months insurance left with them. I asked Swinton to send me a contract showing my original signature ie a 'binding contract', however all they sent me was a statement of detail. I would like advice on how to handle this matter. My plan is: - - return statement of detail to Swinton with the words 'No contract return to sender' on cover of letter. - If they further harass me with threatening letters saying I have 7 days to pay or I may incur more charges, I will then dispute the claim, write to Swinton head office, and file a complaint with FSA and FOS - I will inform Swinton that if they pursue matters, then I shall issue a fee schedule, and I will charge £200 for each letter I have to reply to. So, the question; is a statement of detail' a binding contract? and can I refuse to pay this ridiculous and unnecessary fee? Any help would be most appreciated.
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