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La Redoute TotalCover
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Bagpuss741
Posts: 2,291 Forumite
A few years back a man phoned me and asked if I would like to take out total cover (basically an insurance if clothes got damaged they would get replaced) I asked him to send me details in the post. As well as receiving the details they applied the insurance to my account even though I had not agreed to it. Since 2003 I have paid them over £80 ( It works out that you pay a % of your current La redoute balance) My question is do you think I could reclaim this as I only asked for details I never said yes. It was back in the days when I didn't look after my money:o
Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini
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Anyone?
Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini0 -
I would most certainly think so If you didn't sign anything you haven't agreed to it.0
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if you haven't signed anything and not agreed to it then how dare they add this to your account (must make loads of money doing this to people). shame on them, ask for it all back and don't take no for an answer!
grrrr! i'm annoyed for u!!
Who says I have to be normal?
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2003? If you didn't want it why didn't you cancel it?? Can't really see them agreeing to refund it seeing as you've left it this long to notice.. Your best bet is to cancel it and learn from it.Total 'Failed Business' Debt £29,043
Que sera, sera.
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I haven't left it this long to notice!! I've just left it this long to bother sorting it out as I have epstein barre virus which has swollen my liver and half the time it's a job just to get out of bed:oTesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini0
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I would probably go down the same route as PPI or bank charges. Might be worth having a look on a PPI thread and asking if the letters can be adapted to suit?
"Stay Wonky":D
:j:jBecome Mrs Pepe 9 October 2012 :j:j0 -
immoral_angeluk wrote: »2003? If you didn't want it why didn't you cancel it?? Can't really see them agreeing to refund it seeing as you've left it this long to notice.. Your best bet is to cancel it and learn from it.
I think many people have a similar story from before their LBM! Most people don't even monitor their accounts. I had £6.99 being taken from my account for nearly a year back in 2004... I finally found out I was being charged for insurance on my phone which I never asked for. Didn't reclaim aS this was ages before my LBM!Was debt free... then went travelling!0 -
Hi bagpuss 741 im in the same situation as you but wasnt even asked if i wanted total cover! i only noticed i had it before christmas and rang them up and cancelled it,then i sent them a template letter but they refused to refund me and said i should have noticed for the past three years!But i didnt really look at my statements properly,im thinking of going to fos now,thats what they told me to do0
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