I am unfortunate enough to be a new customer to this unprofessional insurance company. After accepting a car insurance policy and their website setting up the incorrect payment date I called the company to ensure my payment date was correct. The customer service operator informed me that this had been changed to the correct date. Later in the month and unfortunately outside the 14 day cooling off period, I was informed I would be charged £30.00 as the payment date was taken on the incorrect day. I obviously complained to the company who offered to waiver the administration cost to change payment date and informed me I would still have to pay the £30.00 charge! I escalated the complaint and threatened to contact trading standards and financial service ombudsman to which 1st central said they would respond within 48 hours. True to their word they did reply however this informed me that if I didn’t pay the £30.00 charge they would cancel my insurance and issue and additional £50.00 charge. Currently I am now dealing with this company through trading standards and financial service ombudsman. Avoid this company unless of course you like being lied to, charged for their mistakes and threatened with legal action. I would also advice anyone to contact the financial service ombudsman who has had bad experiences with this company. On a final note I think there is one unique feature about this company and this is all their satisfied customers appear to all post reviews on FEEFO which is linked into their website, whereas all the hundreds of dissatisfied customer use any other review website. Could this actually be the case? I doubt it but trading standards can investigate false recommendations and reviews.