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Refunded In Error


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I have recently received a refund back into my account in error from a car insurance company - the insurance has been cancelled (no longer required) and they have now noticed the error and are requesting the money is paid back - am I legally obliged to repay the money back even though I no longer have the insurance and technically it was their mistake (the insurance policy is in my ex-husbands name but I made the monthly payments)?

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