Hi,
I am CitizenS and have recently (today) joint CAG. I am writing for advice on how to deal with Hastings Direct. I originally had an insurance policy with M&S. The requote was @£404. I searched the web using various comparison websites and settled on Hastings based on the cashback I would get through Quidco.co.uk. Insurance cost @£434 with some better terms. Cash back £53.50. I paid for this on the 30.10.10. Phoned M&S and they gave me a cheaper quote i.e. @£369. This original quote was apparently an administration error. We agreed for this policy and phoned Hastings back to cancel immediately. This could not be done because it was not on their system (apparently it takes 24 hours for the system to be updated( obviously they have an amazing IT system)). I phoned the day after 31.10.10 and was advised that my money would be returned minus £25 administartion fee. While being shocked I was able to advise them that this was illegal. They denied this as this was in their on-line terms and conditions which i had signed up to:mad2:. About an hour later, having calmed down, I phoned again and advised them that this was illegal and contradicted the insurance documents which I had downloaded from the internet. In it it is stated that the full premium should be refunded if the policy is cancelled within 14 days of taking out the policy. They ( the complaints department) said that they or their manager could do nothing about this and that this was the charge. I have started writing letters to both companies i.e. Hastings Direct and M&S, with copies to my MP. How can I resolve this matter quickly?