Auto & General – Breach of debit order agreement, unauthorised early debit caused bank charges & humiliation – Account to be closed

I am extremely unhappy with Auto & General Insurance and I am requesting that my policy/account be closed with immediate effect.

I have a agreement with Auto & General that my monthly debit order must run on the 20th of each month. This month, Auto & General debited my transactional account early on Friday, 17 April 2026, before the agreed debit order date.

This unauthorised early debit put my account into a negative balance. I incurred bank charges as a result. On Saturday, 19 April, I was humiliated at a store when I tried to swipe for food and electricity and my card declined due to insufficient funds. My account was on a minus because of Auto & General’s early debit.

Further issues caused by their early debit: I tried to reverse the debit order on my banking app on Saturday, but I received a technical error. I assumed the reversal failed. Because of the error, I then attempted to reverse the March debit order as well, which also gave a technical error. On Monday, 21 April, I checked my bank statement and saw TWO debit orders had been returned into my account. After calling my bank, I confirmed the second debit order I tried to reverse had actually gone through and cleared, even though the app gave me an error.

This entire mess was caused by Auto & General debiting my account 3 days early, breaking our agreement. If they had debited on the 20th as agreed, none of this would have happened. I would not have attempted any reversals.

The bigger concern – risk to my claims & credit score: Because of the debit reversals on my account (which were caused by Auto & General’s error), I am now afraid that if I need to make a claim in future, Auto & General will use these reversals as a reason to deny my claim. I also do not want this incident to affect my credit score, because this is not my fault. That’s why I want the account closed immediately – I don’t want to risk being left uninsured, having valid claims rejected, or having my credit profile damaged because of their mistake.

Resolution I require: I do NOT consent to Auto & General debiting me twice. The early debit was your error, and I do not have funds for a double debit. Any second attempt to debit will be disputed. I want my policy and debit order with Auto & General cancelled immediately. I will find another insurer who honours the agreed debit order date. I request a written apology, confirmation that no further debits will be processed, and written confirmation that this incident will not be reported to any credit bureau.

Auto & General’s failure to stick to the agreed debit order date caused me financial loss, bank fees, and public humiliation. This is unacceptable service.

I am extremely unhappy with Auto & General Insurance and I am requesting that my policy/account be closed with immediate effect.

I have a agreement with Auto & General that my monthly debit order must run on the 20th of each month. This month, Auto & General debited my transactional account early on Friday, 17 April 2026, before the agreed debit order date.

This unauthorised early debit put my account into a negative balance. I incurred bank charges as a result. On Saturday, 19 April, I was humiliated at a store when I tried to swipe for food and electricity and my card declined due to insufficient funds. My account was on a minus because of Auto & General’s early debit.

Further issues caused by their early debit: I tried to reverse the debit order on my banking app on Saturday, but I received a technical error. I assumed the reversal failed. Because of the error, I then attempted to reverse the March debit order as well, which also gave a technical error. On Monday, 21 April, I checked my bank statement and saw TWO debit orders had been returned into my account. After calling my bank, I confirmed the second debit order I tried to reverse had actually gone through and cleared, even though the app gave me an error.

This entire mess was caused by Auto & General debiting my account 3 days early, breaking our agreement. If they had debited on the 20th as agreed, none of this would have happened. I would not have attempted any reversals.

The bigger concern – risk to my claims & credit score: Because of the debit reversals on my account (which were caused by Auto & General’s error), I am now afraid that if I need to make a claim in future, Auto & General will use these reversals as a reason to deny my claim. I also do not want this incident to affect my credit score, because this is not my fault. That’s why I want the account closed immediately – I don’t want to risk being left uninsured, having valid claims rejected, or having my credit profile damaged because of their mistake.

Resolution I require: I do NOT consent to Auto & General debiting me twice. The early debit was your error, and I do not have funds for a double debit. Any second attempt to debit will be disputed. I want my policy and debit order with Auto & General cancelled immediately. I will find another insurer who honours the agreed debit order date. I request a written apology, confirmation that no further debits will be processed, and written confirmation that this incident will not be reported to any credit bureau.

Auto & General’s failure to stick to the agreed debit order date caused me financial loss, bank fees, and public humiliation. This is unacceptable service.