Cancelling Extended Warranties

slippystu

I bought 3 TV's from a big retailer using Martin's haggling technique of agreeing to take out the product insurance to obtain a discount of almost £100 with a view to cancelling the over priced insurance within the 45 day cancellation period. Upon trying to do this today, I was met with abuse and aggression by the store's management team, who among other things called me 'sneaky'. When Martin said they didn't like it he wasn't kidding! They point blank refused to cancel the insurances (over £350 worth) unless I paid back the discount and told me that if I didn't like it I could go to my solicitor. They pointed out the wording on my receipt for the items and the insurance which read 'to secure tpc' as the reason for my discount. I told them I didn't feel this was lawful but they weren't for shifting. Any ideas anyone?!!

Blacksheep1979

Isn't the insurance with a seperate company, if so try canceling through them. Failling that a nice letter to head office stating you were bullied into both the product and insurance, only took the item due to the discount (maybe not even mention that) and that now you had decided against the insurance but had received only abuse from the local store. A line along the lines of I have just spent £Xk (I guess over £1k for 3 TV's) and always thought you were reputable but will now never shop here again. Also I believe that I have a statutory cooling off period and if not refunded will have to seek compensation both through the financial ombudsman and the small claims court.

The local store will get its !!! kicked (maybe copy letter to financial ombudsman and make sure they know its been sent there as well).

Oh and if you paid via your credit card they are partly liable too if you spent over £100 (section 75 of consumer credit act).

slippystu

I tried to e mail C*m*t via their website but the field isn't long enough to explain what happened. The insurance is with the them, not a separate company. I'll contact them and ask for an e mail address then forward a copy of it to Trading Standards.

Blacksheep1979

Best bet is to write and get proof of postage (proof of postage is court acceptable as being received a couple of days after postage).