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PC World Extended Warranty and Theft

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  • isplumm wrote: »
    But if the OP was only given what was shown above, which only talks about five years, then that is his contract?

    I would suggest seeing if you can get a free 30 min with a solictor.

    Mark

    so when you go into a corner shop, buy goods dont get a receipt their is no contract?

    what i mean is you are implying that contracts are merely what the customer is given

    which is wrong

    when you enter into the contract you agree to be bound by the terms, if the terms state a year then its a year end of. if every retailer gave all terms of the contract in full for every sale we would have no rain forest left. at some point the op would ave had the terms available to them to read if they wished to and they didnt which i admittedly wouldnt do either

    i can sympathise ...... really but contracts are contracts. that document is certificate to the plan only, not the contract in its entirety

    and no i dont work for DSGi

    i despise them

    i dont shop there, i discourage others from going in there
    Back by no demand whatsoever.
  • CYPER
    CYPER Posts: 238 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    so when you go into a corner shop, buy goods dont get a receipt their is no contract?

    what i mean is you are implying that contracts are merely what the customer is given

    which is wrong

    when you enter into the contract you agree to be bound by the terms, if the terms state a year then its a year end of. if every retailer gave all terms of the contract in full for every sale we would have no rain forest left. at some point the op would ave had the terms available to them to read if they wished to and they didnt which i admittedly wouldnt do either

    i can sympathise ...... really but contracts are contracts. that document is certificate to the plan only, not the contract in its entirety

    and no i dont work for DSGi

    i despise them

    i dont shop there, i discourage others from going in there

    OK, I'll respect your point.

    Let's say I was shown the full terms or explained orally at the time of purchase that the theft cover is valid for a year only (of which I have no memories whatsoever) how on earth are they going to prove that?
    In general you are correct that there is a verbal agreement as well, but does it apply in my case? I think not. Neither I, nor them can prove anything being said/explained verbally almost 5 years ago and that's why both parties rely on written statements.
    When I talked with them over the phone the lady insisted I send them what I have. It seems to me they don't have any documents at all, related to my purchase.

    My certificate clearly states 5 years term + it mentions theft.
  • OlliesDad
    OlliesDad Posts: 1,825 Forumite
    As what you bought was a standardised product and not personalised in anyway, their proof will be a copy of the terms and conditions.

    Unfortunately, it will be up to you to prove that you were either:

    a)sold a policy personalised for you, or
    b)missold the policy

    Both of the above will be very hard to prove.
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 24 November 2009 at 12:44AM
    when you enter into the contract you agree to be bound by the terms, if the terms state a year then its a year end of.
    That's just the point though, isn't it. The Terms of the service agreement that the OP has agreed to make no mention of theft cover only being valid for a year! It does state, however, that the service agreement, and we must assume everything contained within it unless explicitly excluded, is valid for 5 years.

    Furthermore his contract is with DSG alone, not DSG and this other insurance company - they simply underwrite the insurance whereas DSG are the ones who provide and administer it.
  • OlliesDad
    OlliesDad Posts: 1,825 Forumite
    ANother problem will be that they will only pay out the current market value of the unit. So assuming you do manage to get them to pay out, it would be a very small amount.

    If we take it that laptops normally last 3-4 years, and a laptop for £800 5 years ago, was not a high amount, i would estimate a payout of £50-100.
  • 4743hudsonj
    4743hudsonj Posts: 3,298 Forumite
    neilmcl wrote: »
    That's just the point though, isn't it. The Terms of the service agreement that the OP has agreed to make no mention of theft cover only being valid for a year! It does state, however, that the service agreement, and we must assume everything contained within it unless explicitly excluded, is valid for 5 years.

    Furthermore his contract is with DSG alone, not DSG and this other insurance company - they simply underwrite the insurance whereas DSG are the ones who provide and administer it.

    i believe i was quite clear in saying that document is not the T&C's for the agreement so your point is irrelevant

    as to the OP i really can see where your coming from but you are the one perusing them, therefore your responsibility to provide proof and you cant, they can with their terms.

    just like on the internet

    or installing software

    theres usually a long list and an i agree tickbox or a box with a link to terms and conditions next to it

    just because you dont read them and theyre not on the invoice or dispatch note doesnt mean they dont exist and theyre not there.

    on your contract it would have said somewhere near the bottom where you signed(i presume some sort of signature was required) by signing i agree to all terms and conditions yada yada yada

    and it is that sentence and signature that ruins any claim you hope to have

    by all means fight it but the sane majority of us with a devil advocates role here can see you wont win

    even if it got to them doing it out of good will, youd get next to no money after spending loads on letters etc, not to mention time and other factors

    id give it up

    dont buy from currys dixons or pc world again and live the next few months with a new updated pc rather than no new pc and lots of stress for very little benifit

    some wars aren't worth fighting
    Back by no demand whatsoever.
  • 4743hudsonj
    4743hudsonj Posts: 3,298 Forumite
    OlliesDad wrote: »
    ANother problem will be that they will only pay out the current market value of the unit. So assuming you do manage to get them to pay out, it would be a very small amount.

    If we take it that laptops normally last 3-4 years, and a laptop for £800 5 years ago, was not a high amount, i would estimate a payout of £50-100.

    i wouldn't even say its worth that

    considering my rents bought a pc for £1200 6 years ago that i could now go down to the computer shop down the road and ask to rummage through their write off's for parts and build a better pc

    (believe me ive done it)
    Back by no demand whatsoever.
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