I was over charged an amount and therefore received an email detailing the re-fund amount and why I was being refunded. I received the refund only to discover that elephant had tried to re-take the amount from my bank account without any prior warning or reasoning- which also resulted in a £30 bank fine for myself. When contacted they defended their action of trying to take money out of my account which I did not owe as I had paid my insurance off EARLY, therefore did not have to pay anymore direct debits. They could not give me a concrete reason as to why I had to pay back the refund and could not fluently give me explanations with facts and figures. Instead they demanded I pay back the refund without knowing why I had to. I pushed and pushed and at the end of a 30 minute phone call they said 'we may be wrong we'll look into it further, but even if we are you will have to pay the refund back as our accounts system requires it' because of a 'technical glitch'. God help an older person who would willingly pay that in fear without challenging them. Elephant is the saddest, most ridiculous and unprofessional insurance company I have ever come across. STAY AWAY!