Can anyone please advise on the following matter: 3 years ago I paid for someone's insurance using my debit card and they paid me back at a later date. 2 years ago and about the time of the renewal a similar sum left my account, understandably I kicked off, firstly with the insurance company who informed me I needed to take it up with the policy holder, not their problem etc, etc. My bank suspended my card and issued another, informing me that should stop it happening again and I recovered the money from the policy holder albeit in dribs and drabs. 2 weeks ago, the money came out again, the bank, policy holder and the insurance company got both barrels. I no longer communicate with the policy holder, I have managed to convince the insurance company to remove my card details, but would not refund me unless the policy holder coughs up and after threatening the bank to close my account, they then paid the money back into my account, pending an investigation. In a nut shell, if they can prove (Insurance Company) that I am contractually obliged to pay the money the bank will take the money out again and pay it. I only paid for it over the phone 3 years ago, nothing was signed and no contract was drawn up, with no intention of helping out again. Has anyone experienced this before and does anyone know where I stand legally. Thank you in advance.