I am an absolute air head when it comes to all things monetary and am unbelievably crap with opening my post - especially when i expect there to be no change as in the case of a bank account i have. i put some money in there a couple of years ago and wrote a couple of cheques within the first couple of months but since then absolutely nothing. ive never used teh card linked to the account either so felt no need to check the account. Anyway in a bid to get all my paperwork up to date ive opened my statements and was shocked that in fact theres sod all in there. At the time of opening the account the banker asked if i'd like to look at their insurance - i said i'd have a look and as far as i know thats all. ive got a letter from their insurance dept saying they;d been trying to contact me as i'd expressed an interest but couldnt get hold of me. Anyway, it appears about 3-4 months after opening the account they started debiting £30 for insurance. Ive searched for any evidence of starting an insurance with them but can find nothing - no correspondence, policy or even agreement. Does anyone have any idea where i stand on this? Do they have to supply me with a policy to do this?