took 4 payments out of my account in October. Told they would be refunded within days.... unsuprisingly was'nt. had to wait days and days for the refund. Charged £90+ by my bank because I went overdrawn. 1st central said they would refund these charges. Sent them screen shots of my statements as requested. No reply within 3 days (the automated email says they will contact you within 3 days)... sent another 3 days later... and another... and another... and another. Then eventually I had enough and phoned them myself.... after 25 minutes on hold waiting for an answer the woman put the phone down. I have been with them for 3 years out of lazyness. In that time they have overcgharged me 3 times. Cancelled my insurance by accident twice. Plus numerous other issues...... and not once. Not even once have they ever ever ever phoned me back. You phone them up, they say they will contact you straight back... and they don't. Probably happened to me 30+ times. Absolute waste of time. The worst was when they accidentally took a large amount out of my account on a friday afternoon by accident. I had my Grandads funeral the next day. I called them up around 3pm in a panic because without the money they took I would'nt be able to afford to go to the wake.... the woman on the end basically said our 'machine' is down and theres nothing we can do until monday. No apologies nothing. This incident is the straw that broke the camels back. I've emailed them stating my direct debit is getting cancelled and if they ever try and contact me regarding cancellation charges I will look to take them to court for the money they already owe me. Whatever you do, do not go with this company. I Pay about £600 a year, wish i'd paid £1000+ and gone with a mainstream insurance company.