Carphone Warehouse scam
Yes, another rant.
I signed up to phone insurance last year when I bought my phone via The Carphone Warehouse. The cost was Â£30 for three months of insurance – a bit steep but it was my first contract phone and I was worried what might happen if I lost it. The commencement date was the 9th of August 2005 and I would be billed by Direct Debit quarterly.
A year later and my phone contract was up. Being relatively okay with paperwork I remembered to phone the insurance company on the 8th of August 2006 to cancel my insurance which they did. While I was on the phone I asked them to confirm they wouldn’t be taking a fifth quarterly payment (Â£30) as I’d only had the insurance for the one year. They told me that I’d paid Â£30 by direct debit just a week before on the 1st of August 2006 and so I asked them to refund it. I was told they would notify the credits department.
A month later and no credit has appeared on my bank account. I phoned them back to be told I never applied for a credit and that they probably wouldn’t be able to refund me. The man on the phone kept asking me about when I cancelled the phone contract even though I told him that it wasn’t relevant to my insurance problem. He also told me about my Direct Debit days being on the first day of the quarter. I told him that this wasn’t relevant either. And looking at my insurance confirmation it says that the Direct Debits would be taken “every three months commencing 9/11/05”.
I wanted 4 quarters of insurance, I HAD 4 quarters of insurance and yet you’ve taken 5 quarters out my bank. I have all the terms & conditions here and there is absolutely nothing about this. Just the fact that I want to pay quarterly. He had no answer. But would send the request to his line manager.
Today I got a response from an ‘administration team leader’ telling me that my ‘refund request’ has been unsuccessful. Ha! What a con. I didn’t really see it as a ‘request’, more of a ‘please pay me back my money you took from my account’ for services I never asked for. Apparently I can ‘appeal’!!! Well they’ll get their appeal alright the Shysters. Check the ‘comments’ out below later for my reply.