Whilst checking recent transactions and cancelling some Direct Debits over the phone to my bank, the assistant went through the payments I was making on a regular basis. A company was mentioned and I asked further, thinking it was a charity that I had been donating to. I was given the telephone number by my bank so that I could make enquiries before cancelling. I found out it was an insurance company, and, that I had been paying for insurance for a mobile phone.
To cut a long story short, I was told that the mobile phone company may have set up insurance on my behalf when I entered into the contract 4 years ago.
I then found out that the telephone company (whom I thought I took out the contract with) was actually a third party company. The company has since gone into liquidation and being managed by another.
The insurance company said that I need proof that I did not set up the insurance.
Has anyone had any problems like this and able to help.
I do not know where I stand on this matter or whether the Direct Debit Guarantee Clause is the next avenue to pursue.
I have made a claim for 42 payments to be refunded with the Indemnity Department at my bank, and so far only received one months refund. Can the insurance company refuse to pay? I do not have any paperwork about them as I did not set up any insurance with them.
I know I should have been more observant but somehow the payments I made went undetected as it is (was) only £5.99 per month which is the same amount I have been paying to 2 charities.

You will probably only be getting credited for the one payment and nothing else. Insurance is generally nonrefundable. In the future you must read your contract thoroughly to make sure you don't pay for insurance you don't want or need. Having things automatically taken out of your checking account is just asking for trouble. You need to thoroughly review your monthly statements from now on and immediately question strange charges.