DGS (Domestic & General) Horror Discovery

3 Posts
I would appreciate some advice please. Doing an overhaul of my bank account and getting my finances in order, I have found a DD on my bank account to Domestic General which started in September 2011 for just over £19 per month. In my defence (tenuous, I agree) I also have a Dentist & General Day 1 Income Protection policy which is roughly the same amount. They went through a few changes a while back, and my index-linked policy which was with Friends Provident, underwent some tweaks and changes due to company name changes etc. The point is that I very stupidly thought that 'DGS' and 'Dentist & General' were somehow linked and again, stupidly, didn't give it another thought. Having now trawled through my bank statements, the reality of what has happened is dawning. It never occurred to me that it was Domestic and General because I don't take out warranties. Ever.
I have gone onto the DGS website and 'manage my account' and the policy reference number I have doesn't exist.
Over the years, the payments have risen to £23.75. I have never claimed anything and, again, would never have knowingly taken out this cover.
I've called the number shown on their website but I'm currently abroad and the waiting times are long. I don't want to rack up additional unnecessary call costs on top of this. The website link for DGS policy and DD charge queries returns a 'page not found'.
My stupidity and oversight aside, I would appreciate some guidance on how to try and recoup this money (I will add it all up when the nausea subsides)
And please don't feel you need to point out what an idiot I've been. I'll be doing plenty of that myself
Many thanks
I have gone onto the DGS website and 'manage my account' and the policy reference number I have doesn't exist.
Over the years, the payments have risen to £23.75. I have never claimed anything and, again, would never have knowingly taken out this cover.
I've called the number shown on their website but I'm currently abroad and the waiting times are long. I don't want to rack up additional unnecessary call costs on top of this. The website link for DGS policy and DD charge queries returns a 'page not found'.
My stupidity and oversight aside, I would appreciate some guidance on how to try and recoup this money (I will add it all up when the nausea subsides)
And please don't feel you need to point out what an idiot I've been. I'll be doing plenty of that myself

Many thanks
0
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You dont get a refund unless there has been a wrongdoing. Their policies are sold by multiple places. So, you would address any complaint to the seller of the policy.
I am also going to ask my bank for a copy of the DD form which should have been authorised by me
I will wait to see what they come back with but any suggestions or guidance in the meantime would still be appreciated.
Signatures have not been required on mandates for over 2 decades
Correct. So, either you havent been looking at your post or they are going to a different address. Have you moved house in that time? Failure to keep them informed of a change of address does not mean you get a refund (FOS decision on that basis was published)
Note. Playing devils advocate here to think of holes so you can combat them in advance.
If you no longer need this insurance, you should cancel the Direct Debit.
Is the other person known to you?
You need to get to the bottom of this, as well as thoroughly checking your Bank Statements each month.