I insured my car with Debenhams. Last year it was written off. I have a letter stating the amount of my claim and that it was a full and final settlement. The letter also stated that unless I contacted them with the details of another vehicle, my insurance would be cancelled. On the 17th of this month, Debenhams took £700 from my account. When I contacted Debenhams they asked to see the letter and I’ve forwarded a copy via email. That’s it. All quiet now. I can’t go to the ombudsman for 2 weeks and my bank can take 60 days to investigate. In the meantime, how do I pay my bills?