My policy ended with Western General on 10/14/08 however on 10/15/08 114.30 was drafted from my bank account after I already had another policy with another company that I had started on 10/14/08 and paid on 10/15/08. I called 1800.758.3311 and spoke to a rep named Dena who had a BAD attitude and she told me that I needed to speak to customer service and to call 1.800.300.4009 I called the number and I was transferred to Andy before I could even get my story all the way out he said let me transfer you to Customer Service then I was transferred to a operator named Maria. I explained that Western pulled 114.30 from my account and I wanted my money back I told her I went though another insurance company and she stated oh let me get you to the billing dept and then transferred me back to Dena. When she transferred me back to Dena she stated once again that I needed to speak with customer service because she couldn't help me and U asked her if she could transfer me back to customer service she stated she couldn't transfer me (but yet I was transferred to her) so of course I called again and this time I got a rep named Mya or Myra I explained to her my story (again) and she stated she would start the refund process and to call her Wed 10/22/08. Because the process can take up to 2 weeks buts she's going to escalte the process and she gave me her ext 3702. So today I called 1800.300.4009 and tried to enter in that ext and guess what it was the wrong ext. So I waited on hold and guess who answers the phone Dena. After I told her that I spoke to her before she I asked her what was the status on my refund and she stated that a check in the amount of 54 and some changed will be mailed out and I should be recieving it in 25 DAYS. Now I didn't get a call or anything to inform me of this refund nore was I happy about the refund that I was getting so I asked Dena to transfer me to a supervisor and she tranferred me to ralphs voicemail. So I called back and spoke to a rep named Gabril and I explained my situation how I was drafted when I shouldn't have been and he stated " on your form it states that if you have automatic deposite your policy will automatically renew". Now I have that form nowhere on this form it does it say this but gabril stated he would have his supervisor Melinda call me. Around 4pm Melinda calls and tries to tell me the same thing and then says there's a non refundable fee of 55.00 and 1.80 california fraud fee but know where on my paper does it show this. And when I asked melinda where does it say the 56.80 is non refundable she states it says "fully earned" ok so again where does it say those fees are NON REFUNDABLE. She asked me to send my paper so we can discuss it so I will send her what I have and Im sure I still won't get a full refund. I have filled a complaint with the BBB already and I will keep going until I get my full refund and not in 25 days. I made my payments on time to Western General every month not once was I late now that I decided to go with another policy I can't have my 114.30 back and when not to mention they sent my 54.00 dollars in the mail and I won't get it for a month. WESTERN GENERAL IS OK UNTIL YOU DECIEDE YOU DON'T WANT TO USE THEM AND THEIR SERVICE IS TERRIBLE. I WILL NEVER GO WITH THEM AGAIN