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Sometime last year I took out a cover with Liberty which later lapsed. I was then called earlier to reinstate the policy but I declined the cover. However since March Liberty has been debiting my account without my permission since March. I called this month to ask for a recording of the the call where I gave them permission to debit my account and also asked for refund of the 1000+ that has been deducted from my account. To my surprise I was told I will not get the refund and all my attempts to get the recording giving them permission to debit my account have fallen on deaf ears. I have not received any response regarding the request of the recording but I'm told I will not get any refund for the policy that's in arrears. How do I get into arrears after the policy has lapsed in 2019 and expressed my wish of not wanting to reinstate in Feb this year. Liberty has de*****ed me and they are not even bothered to send me proof that I gave them the go ahead to reinstate