Many Thanks for that unclebulgaria67 I will let my sister know and i will by writing to FOS will keep you guys updated. Thank you so much. Jay

Hi I have had trouble with my insurance company Admiral. i was with them until the 8th of April This year 2012. I am with E sure now until next year 2013.However, Admiral whom i was with last year have automatically taken money out of my sister's account this year without myself receiving the renewal letter. (she paid from her bank account in full with Admiral last year and Admiral have again taken money without her consent). Only last week April 19th 2012. i rang Admiral to inform them that they need to send me a letter of No Claims Bonus Discount Letter for my new insurer (Esure whom i am with this year 2012 till 2013). It was only then that i was informed that i was already insured with Admiral , and i told Admiral that i was with Esure because E Sure were cheaper.So Admiral refunded my money. Please keep up with me so far. Now my sister rang me on saturday 21st of April and has informed me that her bank Lloyds TSB have charged overdraft fees,etc, as she only had 300 limit in her account and now she is left with paying her fees for the overdraft which Admiral have taken. (Admiral have taken out 700 pounds from her account.)I rang Admiral and they have told me that they cannot help me as it was my fault for not telling them that i did not want to insure with them. i have told them that i didn't receive a renewal letter altho they claim that they have sent me a letter. Can i take legal action against Admiral for taking illegal money out of my sister's account.PLEASE HELP!!!!!!!!! Many Thanks jay