Took out insurance for my car with Debenhams who’s finance is delivered through Alden insurance via a company called Creations. No issues on the phone. Took it as it was one of the least expensive. Cancelled within the 14day cooling off period and had the excess we owed refunded back to us fairly promptly. What has happened worthy of the 1star review is that the first month’s direct debit was processed before we cancelled (I’m sure this is just a standard protocol, nothing dodgy). Said direct debit then came out of my account on 3rd January. Over £100. I have called Debenhams/Aldens four times since that date to chase up my refund of this money. Last week on 10th Jan I was told there was a back log over the festive period (third phonecall - getting frustrated now) so I was asked to be patient by a lady called Kim who assured me that the refund will be processed and that it should be with me by the latest of 16th January. Today is that day and no cash. I have called Debenhams/aldens again and been advised I need to speak to creation now to which through gritted teeth I obliged. Creation had no communication from Debenhams with instruction to perform a refund. Nothing. Now I have to wait another 3-5working days for my money to allegedly be returned to me via creation. This could be up to 20 days since my money was taken. It’s complete BS. I would not recommend Debenhams as an insurance broker if you paid me to. AVOID AT ALL COSTS.