I have been paying a direct debit of £2.99 per month to a company that I did not recognise; having stopped the payment I have received an email which has enabled me to discover that it was for product insurance. We NEVER take out insurance; speaking to the insurers (the name on the DD) I asked whether it was an 'untick' type agreement, i.e., the insurance cover is set as a default and you have to untick the box. The customer assistant said that this was the likely situation, but I should speak to Debenhams Plus. I wanted to telephone to discuss this with Debenhams Plus, but there are no suitable numbers on the documentation. It transpires that we have spent £80.07 on a product that cost £130, and we now no longer use. Take care.