After being with Esure car insurance for many years I found myself having to sell my car . I didn’t have a new car to insure! So when I received my renewal pack I informed them that for the time being I did not wish to renew as I had sold my car and at that time present did not have another one . The guy on the phone went through everything and said I did not have to do anything else and did not owe anything as policy had come to the end of the year and I just hadn’t renewed . I then noticed two payments had still been taken out of my bank on consecutive months following . I cancelled direct debit and then started receiving threatening letters and emails saying I wasn’t allowed to cancel direct debits and I might not be insured ect . I’ve made numerous phone calls now and they are now saying they need to charge me a cancellation fee for cancelling my policy ( I did not cancel ) I did not renew . Now they are saying basically I will have bad credit against my name and to expect debt collectors at my door! I am livid … all this because I didn’t renew my policy as I didn’t have car . Never again will I deal with this company and I am making sure I tell everyone else not too . Absolutely shocking !!!