That's very helpful. Thanks.
It seems that this would be a dispute against Halfords who are far more likely either to act responsibly or to put their hands up because it's not economical.
All we need now is for the OP to come and engage with this thread
Corbyn comes out with probably his best ever soundbite and I don't see it promoted as it should be.
"Personally, I’d rather give a break to a worker who wants to learn than give a tax break to the billionaire who wants for nothing."
Also Labour promises loadsamoney and staff to the NHS,
Don't doubt labours intent there (unlike anyone with a braincell does the Tories claims ) ... but how are they going to do it staffwise from a Corbyn Leave perspective?
All those EU NHS staff (and UK ones emigrating) will take some convincing to return to a Country in the thrall of a Leaver.
Is he going to open up immigration to none EU medical staff?
Qualification/expertise vetting mechanisms?
I think you will have to start off by giving more details of your debts. When were they incurred, last date of any acknowledgement or payment and date of any default. Then we can start to take it from there. I'm quite sure that site team member @dx100uk will be along to have a look at this point soon and will give you the best possible advice.
I see that you've been here since 2013 so presumably you have read around and you have a fairly good understanding of what is enforceable and what is not.
Most contracts are subject to the Consumer Contracts Regulations 2013 which provide that you have a cooling off period of 14 days when you make a contract online or off premises. Unfortunately there are various exemptions and insurance contracts is one of them. It's hugely unfair in my view. Obviously if the insurance cover has already started then it may well be fair – but for a contract to start and insurance cover in the future, it seems to me that there should be a right to cancel at least until the beginning of the cover.
So the answer is – yes they are entitled to levy a charge although that charge has to be reasonable and to reflect their administrative losses caused by your breach of contract. £29 sounds a little bit on the steep side and you can make an issue of it if you wanted. That means that you could require them to give you a detailed breakdown as to how this reflects their administrative losses and if you felt that you disbelieve them, you could decide to issue a claim and take it to the Small Claims Court. I would say that in the event there is a very high chance that they would back down simply because it wouldn't be worth their while to defend – but you can't bank on this and it would be a risk to you.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!