Now that would make perfect sense. However I got a second letter today saying " we will charge 164 pounds to the last credit/debit card you used with swinton"

anyone? I can hear my own echos

first post here guys. Just looking for some advice on how to deal with swinton car insurance. My father got an insurance thru them on the 25th of feb 2009 for a total of 340 gbp for the year to be paid through monthly direct debits. Father had to leave the country on the 16th of may, so he wrote a cancellation letter which I posted a couple of days later. Insurance was cancelled around the 20th of may. So the total period of insurance was just shy of 3 months. In those three months, my father has paid them a grand total of about 155 pounds ( I have looked through his bank statements). Then I get a letter from Swinton addressed to my father asking for £164.82 and the break down is as follows: outstanding balance: 384.99 insurer refund : 254.32 direct debit refund: 23.60 discount recovery: 7.75 cancellation charge: 50 Total outstanding: 164.82. Now my father is gone for atleast a year and I will have to deal with ths. Can anyone guide me pLZ. It just seems that to have to pay 155 + 164 = 320 gbp for 3 months insurance when the entire years insurance was 340....seems...well sickening!!! Thank you in advance.