Last November I received my RAC Breakdown renewal notice for £147.50 less Membership Savings £80.75, net charge £66.75. I had to call them out before the renewal date of 1-1-11 and a Direct Debit of £120.15 was processed in January this year. OK, I accept the increase as a result of the call-out. I have just received this year's renewal notice for £155.00 less Membership Savings £44.60, net charge £110.40.

Upon querying this, the net charge was amended without any quibble to £79.20, "to include my 20 per cent discount and to match the Web." I am left with the feeling that I could have been screwed and wonder how many other people may fall foul of this scenario.