I got a phonecall from phone guard and gave them my details, i then rung an hour later to say i didnt want the insurance as i realised i had done wrong. they sed they wud cancel it, but the monday after, £75 was taken from my account. i rung them and they tried to say i had cancelled it after they had sent the documents to me. (can't be true!) they sed if you send all the documents bk we will refund the money. i sent them bk the day i recieved them (tues) with a letter to say i wanted to cancel the insurance. 7 days later i did not hear anything from them, so i rung them and they sed it could take up to 10 days. 10 days came and i still hadnt recieved my money. i gave them another call to say i was not happy and threatened them with the FSA, they sed it wud be sent that day. 2 days later i recieved a £75 cheque. advice: do recorded delivery sending your docuemnts bk if needed, as they tried to catch me out by asking if i sent them bk normal or recorded delivery, and threaten them definaitly.