Hi everyone. My car ins was with Swinton & despite me telling them on the phone a month before renewal - that they should just send me the quote & if I wanted it - I would call them back - I didn't call them. I renewed with another company and then received a text on sun 27.5.12 from Swinton saying "thx for renewing with us!" As Swinton doesnt open Sundays - couldnt call until monday. I was then assurred by Swinton that I would not incurr a charge as long as I sent them copy of my new insurance to prove I had not used Swinton for that one day! The following day I received letter from same adviser telling me that I would have to pay £118 for "the period of cover that I had already received"!! - ONE DAY COVER!! Which I didnt anyway as I had renewed on sat 26.5.2012! The breakdown of this £118 is as follows:- £50.00 Swinton's cancellation fee £25.00 Swinton's service fee £32.00 Swinton's direct debit interest fee (NO direct debit had yet been due or taken!) £11.00 Provident's insurance fee for ONE days cover (which obviously wasn't needed by me either!) i have called them and asked to listen to call which supposedly I gave them authority - THEY have listened to call & even though they admit that I didn't give them authority - they are claiming they can still charge me this as its in their terms and conditions! Their reasoning for this is because in said call I didnt actually specifically say I definately did not want it!! Its worth pointing out that the adviser DID NOT tell me on this call that should Swinton NOT hear back from me - that they would assume i wanted it and thus incurr charges! Surely the Law states that all t&c should be in clear easy to follow manner?! I have raised complaint with their head office but swinton have already sent me another letter threatening debt collectors and more fees if i dont pay (it has not even been two weeks yet since renewal!) i have called FSA and been given a reference but swinton have 8 weeks to deal with it first before fsa will start! Obviously i have not signed any credit agreement with swinton - so can this be legal?? any help be much appreciated!! many thanks everyone.