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car insurance charges and direct debits


slimliz30
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hi all.just a query and advice...

.i missed an insurance montly payment,

my fault for getting the wrong date.....

.my query is..

.when they applied for the payment from lloyds this was instantly rejected and was charged £20.00 from lloyds for the missed payment..

.however when i do the same with my other direct debits which i miss ..

i get until 3.00 pm in the afternoon to put money into the acount to avoid charges...

...that is all other direct debits...

..so my point..

..why is it always car insurance direct debits that are instantly refused...

..but not others..

.strange or not !!!!!!

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