We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mobile Phone Insurance help!
Plugling
Posts: 6 Forumite
Hi,
I have just noticed that I have been paying Direct Debits to an insurance company for the last 4 years for a mobile phone that I only used for about a month.
Firstly I don't remember agreeing to insurance (although I do remember that it was all done in Phones4u and they made the deal very difficult and complicated).
Secondly, I cancelled the phone contract after about a month (and had to pay off the remainder of the years outstanding balance), so would have expected any insurance to have been cancelled automatically. Wouldn't that make sense?
I have spoken to the insurance company and they have said that they are separate to the mobile phone companies so people need to cancel their insurance separately from their phone contract.
I have obviously filed a complaint and they have said that they will get a customer service representative to ring me in the next 48 hours.
I am really angry about this, as I have never had any correspondence from them, and on my bank statements it appears as 'Policy Admin Service', which could be anything! (Why don't they make it clear which company they are?!) They have been taking £8 from my account every month for the last 4 year, totalling £384.
So basically I have been paying insurance for a service that I haven't actually even been using!
Is there any way out of this? Am I owed my money back? any help would be greatly appreciated.
Thank you!!
Plugling
I have just noticed that I have been paying Direct Debits to an insurance company for the last 4 years for a mobile phone that I only used for about a month.
Firstly I don't remember agreeing to insurance (although I do remember that it was all done in Phones4u and they made the deal very difficult and complicated).
Secondly, I cancelled the phone contract after about a month (and had to pay off the remainder of the years outstanding balance), so would have expected any insurance to have been cancelled automatically. Wouldn't that make sense?
I have spoken to the insurance company and they have said that they are separate to the mobile phone companies so people need to cancel their insurance separately from their phone contract.
I have obviously filed a complaint and they have said that they will get a customer service representative to ring me in the next 48 hours.
I am really angry about this, as I have never had any correspondence from them, and on my bank statements it appears as 'Policy Admin Service', which could be anything! (Why don't they make it clear which company they are?!) They have been taking £8 from my account every month for the last 4 year, totalling £384.
So basically I have been paying insurance for a service that I haven't actually even been using!
Is there any way out of this? Am I owed my money back? any help would be greatly appreciated.
Thank you!!
Plugling
0
Comments
-
http://forums.moneysavingexpert.com/showthread.html?t=1544421
Have a read of that thread, as the poster has had a very similar experience and has been offered about a third of his money back so far0 -
I got a phone call back at the end of yesterday from the insurance company. It seems they have taken 49 months-worth of direct debits, at £7.99 each.
They gave me 2 options:
a) They would contact Phones4U and see if they can supply the 'mandate'/documentation that I apparently signed 4 years ago agreeing to the insurance. If Phones4U CAN'T supply that paperwork within 3 working days, then I will get a FULL refund. OR if Phones4U CAN supply that paperwork within 3 days, then I won't get ANY refund.
b) They offered me a 'goodwill gesture' solution, and offered me 50% of everything, i.e. approx £200. However, this meant that they would not investigate further, and they would not release any more of my money back to me.
They said I was not allowed to agree to the goodwill gesture AND request that they request the paperwork from Phones4U.
I did not really know what to do, but I eventually decided to call their bluff, and see if they could get the paperwork off from Phones4U. I now have to wait until Friday to see if they can find this paperwork, and then I'll know if I get a) £400 back, or b) zilch.
Do you think I've done the right thing?
If they CAN find the paperwork, and tell me I'm not allowed any sort of refund, will there be anything I can do?
Thank you!
Phil0 -
Most big companies store old paperwork off site normally at specialist companies, so there is a good chance it could take a lot longer than three days to get it especially with the post etc0
-
Ha! Have had a phone call back already this morning, and apparently Phones4U don't keep their paperwork from that long ago (it was 4 years ago), and therefore I am going to get a FULL REFUND. 49 payments at £7.99 each, meaning £391.51. The payment should be in my accound within 10 working days..
BRILL!!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.2K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards