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Review of the 1st Central, Car insurance:

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Unfair charges, blocked cancellation & credit damage

Policy FPM6028221297FC – Unfair charges, blocked cancellation & credit damage I took out a policy with 1st Central (policy FPM6028221297FC). When they asked for NCD proof I uploaded it promptly. They then changed my declared 3 years NCD to 2 years, imposed an extra £99.35 (including a £50 admin fee) without my agreement and presented it as a done deal. I immediately objected and on 21 July 2026 emailed asking for the policy to be cancelled straight away. Their reply took almost a week and was unclear. The online cancellation system would not complete unless I first paid the disputed amount – an unreasonable barrier. Because of the unagreed charges and poor communication I cancelled the Direct Debit. They cancelled the policy on 18 August 2026 for “non-payment”, demanded £113.59, closed my formal complaint after a manager’s call was disconnected mid-discussion with no callback, ignored my further emails and reported missed payments to the credit reference agencies. This has damaged a previously well-maintained credit profile and created unnecessary mental and financial pressure. The investigation felt one-sided and pre-decided. 1st Central has used the credit system to recover disputed charges while failing to listen properly or resolve the matter fairly. Business ethics and genuine customer care appear absent. I will never recommend 1st Central to anyone – not even my worst enemy. Other customers should think very carefully before dealing with them. I demand immediate removal of the credit markers, write-off of the unjustified balance and a proper response from senior management. Policy: FPM6028221297FC Customer: Gobinda Reviewed on: 29th September 2026

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