Written on: 21/04/2012 by truthseekers666 (1 review written)
Swinton sold me £700 insurance with a £300 cashback. Trouble is you had to pay the high rate for 4 months till the cashback came through. My sense should have told me why not just give me £400 insurance in the first place and what is this cashback nonsense. Its simple... its a scam. 3 months in on those high payments I had a direct debit not go through. They called me up and asked when it would be in, i said 2 days time. Next day a letter arrived saying "We have cancelled your insurance with no way to restart it. We want an extra £70 for cancelling it. We will get this money from your direct debit and if you cancel the direct debit we will reinstate it until we get the money. If you dont pay that way we will charge you £25 extra to get a bailiff to get it off you. You are illegal to drive on the road now, you are breakng the law if you dont return your insurance docs to us and also you will find it harder to get any insurance now because you have been cancelled." As you are probably thinkig by now XXXing charming. I rang them up and said considering I was asked to pay for double price insurance to get the cash back they had already had double the price payment of months I had used as far as I was concerned, so they were way up in profit. I asked for my no claims document for my new insurer. THEY NEVER SENT IT even though they said they would. I had to go over their heads to their company Azira or something - the master insurance compnay finally sent one out but this delay in Swinton refusing to send it out nearly cancelled my new insurance if I hadnt got it from above them. Their selling me 3 policies for car ins, life insurance and breakdown recovery meant that when they put their direct debit through which I TOLD THEM NOT TO DO, it cost me 3x £35 with my swindling bank Santander. This happened 4 times and the total of my bank fines came to £495 for this. My bank refused to accept that I had cancelled the direct debits and the bank said "even if you cancel them over th ephone or online, if the company reinstates them then its your responsibility to pay the fines". My brain was just frazzling by this point. Santander wouldnt back down so I went in yesterday and closed my account with the £495 in their fines oweing after chewing out the manager. Ive gone to Natwest now. This is just poetic tho, I was signing up for my new account in Nat West and this woman at the counter was bleating with the staff over a direct debit with Swinton which they took money out that she had instructed them not to do and how could she get the money back... then the woman went on to say "it was for car insurance where they had this cash back offer and they just cancelled it and took money out after they cancelled it". Sound familiar!? Swinton arr total calculating con artists and I think its a trick being used by a lot of inusrers because I was given only a 7 days to get my proof of no claims to the new insurer which makes me think that by cancelling your insurance the fines they charge you are worth more than their profit commission... getting you to pay higher rates for a cashback youll never get is clearly how they screw you. For your information.