currys laptop insurance reclaim?

jenrat25

hi, was sorting through my direct debits and noticed one for currys for £6.99. i had no idea what it was for so i cancelled it and waited to see if they sent me a letter so i'd know what it was. And they did! Apparently its a 'whatever happens' insurance for an advent laptop i bought approx 5 or 6 years ago.

The thing is i don't think i ever agreed to this policy. If i knew it was insured i would have had my laptop repaired instead of buying a new one 3 years ago! :mad:

Wish i had noticed this direct debit before . Anyway, is there anything i can do to try to reclaim back the money or is it a lost cause?

any advice would be very gratefully received!

magpiecottage

In theory you could complain of misselling provided it is less than six years since the event giving rise to the complaint or, if later, three years since you ought to have realised their was cause for complaint. The mysterious payment from your bank account would be sufficient to set the three years running but if you purchased less than 6 years ago a complaint may be upheld - by FOS if not by DSG (Currys' parent).

The complaint would go to the address here.

Faxing it is good because you get proof of delivery. Otherwise get proof of posting (free from the Post Office, do not bother paying for recorded delivery as FOS will deem it received two working days later).

Allow them nine weeks to get a reply to you (to allow for time in the post). If they do not respond within that time, go to FOS - that is free but you must fill in their form and snailmail it.

If you get a response that is not satisfactory in the meantime that says you have six months to go to FOS then you can do so at any time within the six months from the date of that response.

roonaldo

You've had £6.99 leaving your account for 5-6 years and you've only just noticed? Your argument doesnt sound very credible to me.

sprite1508

i have this ins and when buying you have to sign a form and give your bank details - hence the DD, have you asked them for a copy of the agreement?

magpiecottage

roonaldo wrote: »

You've had £6.99 leaving your account for 5-6 years and you've only just noticed? Your argument doesnt sound very credible to me.

I agree but if it has been going on for less than 6 years they are still entitled to say that until now they have just been thick and complain.

dacouch

Note the "cover" Currys offer is not technically Insurance and you do not have access to the Ombudsman for complaints regarding it

magpiecottage

dacouch wrote: »

Note the "cover" Currys offer is not technically Insurance and you do not have access to the Ombudsman for complaints regarding it

Possibly but DSG WAS regulated by FOS six years ago (though it is not now).

jenrat25

They got our bank details for dd because the latop was paid for over a ten month interest free offer. Its my siste
rs laptop paid for via my moms account. My mom is in her 60s and has just asked me to try to cut her bills down because shes struggling. Hence why it went unoticed. She just assumed it was insurance for her washer or dishwasher which she has. We are not thick.
My sister didnt take out this insurance or else she would have used it when the laptop brokedown
Thanks for the people who gave valid advice. And thanks to the others for being so nice to a newbie???!!!