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  • FIRST POST
    • dazzy19841
    • By dazzy19841 7th Nov 19, 10:09 AM
    • 5Posts
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    dazzy19841
    Carphone Warehouse geek squad insurance
    • #1
    • 7th Nov 19, 10:09 AM
    Carphone Warehouse geek squad insurance 7th Nov 19 at 10:09 AM
    Hi, first off I want to apologize if this is in the wrong section. Mods please move if it is.



    I have recently read that Carphone Warehouse have been made to pay back people regarding mis sold insurance. I have been paying them through direct debit since 2009 for items that have been gone for a long time. Is it possible to claim any of this money back? To me it has been free money to them. Any help is really appreciated.


    Thank you.
Page 1
    • zx81
    • By zx81 7th Nov 19, 10:17 AM
    • 24,350 Posts
    • 27,136 Thanks
    zx81
    • #2
    • 7th Nov 19, 10:17 AM
    • #2
    • 7th Nov 19, 10:17 AM
    Why do you believe it was mis sold to you?

    And why are you still paying for it if you don't want it?
    • dazzy19841
    • By dazzy19841 7th Nov 19, 10:27 AM
    • 5 Posts
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    dazzy19841
    • #3
    • 7th Nov 19, 10:27 AM
    • #3
    • 7th Nov 19, 10:27 AM
    It is not me per say that has the insurance. I will need to get all the details in full. It has been a direct debit since 2009 and the person has only just realised it has still been coming out. No letters or emails nothing. It is a big amount.
    • dazzy19841
    • By dazzy19841 7th Nov 19, 10:30 AM
    • 5 Posts
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    dazzy19841
    • #4
    • 7th Nov 19, 10:30 AM
    • #4
    • 7th Nov 19, 10:30 AM
    Also if we cancel the direct debit today will that affect any claims in the future?
    • zx81
    • By zx81 7th Nov 19, 10:30 AM
    • 24,350 Posts
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    zx81
    • #5
    • 7th Nov 19, 10:30 AM
    • #5
    • 7th Nov 19, 10:30 AM
    If the person believes they have been mis sold something, they need to send a complaint to Carphone Warehouse giving their reasons.
    • dazzy19841
    • By dazzy19841 7th Nov 19, 10:32 AM
    • 5 Posts
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    dazzy19841
    • #6
    • 7th Nov 19, 10:32 AM
    • #6
    • 7th Nov 19, 10:32 AM
    Thank you. If we cancel it today will that affect any claims?
    • zx81
    • By zx81 7th Nov 19, 10:34 AM
    • 24,350 Posts
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    zx81
    • #7
    • 7th Nov 19, 10:34 AM
    • #7
    • 7th Nov 19, 10:34 AM
    You can't claim on a policy unless the policy is in force, but you can still put in a complaint.

    Mis-selling involves making a complaint.
    • dazzy19841
    • By dazzy19841 7th Nov 19, 10:37 AM
    • 5 Posts
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    dazzy19841
    • #8
    • 7th Nov 19, 10:37 AM
    • #8
    • 7th Nov 19, 10:37 AM
    Ok, so the best thing to do is contact carphone warehouse and keep the policy active? Will they not just fob me off etc? I was hoping they would be a third party to resolve things like this or a template for a claim?
    • zx81
    • By zx81 7th Nov 19, 10:39 AM
    • 24,350 Posts
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    zx81
    • #9
    • 7th Nov 19, 10:39 AM
    • #9
    • 7th Nov 19, 10:39 AM
    If you don't feel the insurance is worthwhile, there is no point in keeping it active. Why not save on the future premiums? It will almost certainly be cancelled when you put in your complaint in any case, as you will be saying they shouldn't have sold it to you.

    There will be no off-fobbery when you put in your complaint.

    Don't use a third party or a template. You want to make a genuine complaint, giving your own reasons for mis sale. Not pay someone to make up fake reasons.
    • -taff
    • By -taff 7th Nov 19, 11:47 AM
    • 10,651 Posts
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    -taff
    It is not up to carphone warehouse to cancel this insurance, it's up to whoever was paying for it. It's their own fault for not checking their bank staements regularly.
    The firm have done nothing wrong by continuing to take this money unless you actually informed them via phone call or written word that it was no longer required.
    If you did, you have a genuine complaint. If you didn't, you are reliant on them refunding as a goodwill gesture so don't go in all guns blazing. Ask nicely for a refund of monies paid and be prepared to provide some evidence if they ask for it depending on what your complaint reasons are.
    • -taff
    • By -taff 7th Nov 19, 12:19 PM
    • 10,651 Posts
    • 15,505 Thanks
    -taff
    https://www.which.co.uk/news/2019/03/carphone-warehouse-fined-29m-in-geek-squad-insurance-scandal/
    • Moneyineptitude
    • By Moneyineptitude 7th Nov 19, 12:32 PM
    • 25,023 Posts
    • 14,493 Thanks
    Moneyineptitude
    Also if we cancel the direct debit today will that affect any claims in the future?
    Originally posted by dazzy19841
    If your friend cancels the Direct Debit without first cancelling the insurance itself then the Direct Debit will continue to be requested and he/she will then be in debt.

    As others have pointed out, your friend won't be refunded any money unless he/she can somehow show the insurance was mis-sold. It was not up to Carphone Warehouse to cancel the insurance unless your friend actually requested it. Why on earth has she/he continued to pay for an insurance policy which was no longer suitable or required for years?

    Aside from this policy, what else might your friend be paying for unnecessarily? I strongly recommend a thorough health check of bank statements and scrutiny of all direct debits...
    • couriervanman
    • By couriervanman 7th Nov 19, 12:37 PM
    • 713 Posts
    • 1,310 Thanks
    couriervanman
    Hi, first off I want to apologize if this is in the wrong section. Mods please move if it is.



    I have recently read that Carphone Warehouse have been made to pay back people regarding mis sold insurance. I have been paying them through direct debit since 2009 for items that have been gone for a long time. Is it possible to claim any of this money back? To me it has been free money to them. Any help is really appreciated.


    Thank you.
    Originally posted by dazzy19841

    "I have been paying them through direct debit since 2009 for items that have been gone for a long time"............your friend must have more money than sense if they haven't noticed/checked bank account
    As others have said its up to you to cancel the insurance once you get rid/chuck out item
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