About 3 weeks ago I sold my bike, and then told the insurance company Hastings. I was hoping to get a little bit back, as the policy ran to December. How naive of me! There was no refund. Now, I've received a letter saying they want £35 "administration fee", and if I don't pay pronto, they'll give it to a debt collection agency and bugger my credit rating. All seems rather heavy handed. Anyone know what the form is here? Are they entitled to stiff me like this? Do I have any rights in all this? Any advice?