i was having trouble with a insurance company who had reinsured my husbands van even thou i had canceled it they said i could not cancel it as it was not in my name but i was paying out of my bank account they still refused to cancel it i phoned them up and a full scale war broke out they told me i would pay or they would take me to court i got in touch with the financial ombnudsman he took over and got it sorted of course they backed down goes to show bullys dont allways win