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Gobinda

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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

Reply from 1st Central Hello, Thank you for your feedback. We’re sorry to hear your experience with us hasn’t been as positive as we’d hoped it would be. Let’s see if we can help put this right for you. Just give our team a call on 0333 043 2055 or speak to us on web chat which can be found on our website. We’re here to help from Mon-Fri: 8am to 8pm, Sat: 9am to 5pm, Sun: 10am to 2pm. Emily Response date: 30th September 2026

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