There is a problem wearing a seat belt. This could be why some people wear them under their arm. They come right across your neck if you are not 6ft tall. It could cut you head off in an accident. They should change the anchorage point.
Don't you have to renew it after a certain number of years on your birthday? Did you forget when your birthday was? Or can you renew it any time in the year. In Queensland it is every 5 years on our birthday.
I don't see why the banks should refund the money. People have been told not divulge personal information. They should look up the phone number on their bank statement and ring that number.