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!

citymain scum

yaacov81
yaacov81 Posts: 343 Forumite
100 Posts
citymain is the company that provides the free trials you get when u take out a osps contract.

the first scummy thing they do is that the trial for tmti, is a 3 month trial yet they take the first payment after 12 weeks not 3 months.

the main scummy thing is that they do not register the direct debit with the bank untill the day they take paymnet, this mean it is not possible to cancel the direct debit with the bank.
it is also not possible to cancel the cover over the phone , so the only way is to write to them and then you have no gaurentee that the got it or pay attention to it.

i got done today as they took the payment, even though i sent a letter on fri ( true mayb that waas a bit late)

surely what they are doing with the bank is unethical and part of the direct debit garentee should be the ease to cancel it.

i now want to write a stinking letter to comlain, i would like to know which bodies i can report them to fot this behaviour, i also want to threaten them with reporting them .

finally anyone who has a osps phone make sure you cancel in good time
«1

Comments

  • cheghead
    cheghead Posts: 849 Forumite
    cancelled mine straight away. would advise anyone buying new phone from OSPS to not take out the insurance if they dont want it after 3 months.
  • carly
    carly Posts: 1,509 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    They registered my DD with the bank about one month after I bought the phone.. i cancelled it immediately and wrote to them one week before the three months was up to cancel the insurance and technical help. They handled everything correctly. Perhaps you have just been unlucky
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    yaacov81 wrote:
    the main scummy thing is that they do not register the direct debit with the bank untill the day they take paymnet, this mean it is not possible to cancel the direct debit with the bank.

    My DD appeared on my current account a few days after purchase. I can cancel it!
  • yaacov81
    yaacov81 Posts: 343 Forumite
    100 Posts
    grumbler wrote:
    My DD appeared on my current account a few days after purchase. I can cancel it!

    my payment dates are 14/3 and 20/3
    i went in last week and neither were there.
    went in today - too late to cancel the first and second one not there yet
  • Smartasss
    Smartasss Posts: 873 Forumite
    Before taking any money, they have to first set up a Direct Debit on your account.

    Can't you get a list of the current DDs which are set up on your account from your Bank, and then instruct them to cancel those to do with this company?
  • yaacov81
    yaacov81 Posts: 343 Forumite
    100 Posts
    exactly what i did but there was no record of them untill today which was too late.
    this is basically my problem
  • derrick
    derrick Posts: 7,424 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Any company setting up a DD is supposed to give you an "originators identification number" with this your bank can put a stop on the DD as soon as they ask for the payment, without it your bank knows nothing about it until they are asked for the money,
    Don`t steal - the Government doesn`t like the competition


  • yaacov81
    yaacov81 Posts: 343 Forumite
    100 Posts
    thanks for that.
    i did ask my bank if i could put a block on it before uit comes in and they said no.

    anyway i called up today to cancel the insurance.
    i finally got to speak to someone by pretending i wanted to make an insurance claim. i then cancelled it.
    if you follow the option to cancel the dd you just get a message telling you to write in to cancel, but if you go to the 'make a claim option' you can speak to someone who will cancel.
    just a shame i didnt think of this last week.
  • Malestrom
    Malestrom Posts: 983 Forumite
    Cancelled both of mine in writing as soon as I got them. It does say on the information provided that you must cancel in writing. Then if they still take the DD you can claim it back under the Direct Debit Guarantee. You should have cancelled when you had the chance.
    He huihuinga taangata he pukenga whakaaro – A meeting of people; a wellspring of ideas (Maori proverb)
  • daveboy
    daveboy Posts: 1,400 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    In relation to the original post - maybe it's only me that thinks that 12 weeks and 3 months are one and the same thing. Near enough anyway.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.