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Having money taken from me for cancelled domestic insurance.

(7 Posts)
Franbern Sun 18-Oct-26 08:06:32

Normally I do not do things like extended warranties, etc. But when I did my kitchen a few years ago, I put in a quite expensive fridge/freezer which required three repairs during its first year.
So, I decided to go along with an insurance scheme for such items with a very large company.
Used this with minor problems with this machine, needed handle on fridge door replacement on several occasions and was paying just over £4 a month.

Earlier this year I noted this had suddenly increased to nearly double that amount. Rang them,discussed this and was told nothing could be done, so i told them to cancel it.

Checked my account on line and it showed policy cancelled.

However, a recently check on my bank account showed that this company had still been taken a monthly payment for this, I had missed this as have been unwell for the last few months.

No way of contacting them on line, had to sit listening to their muzak for twenty minutes yesterday to get through to talk to someone.

Did I get an apology? Did I get promise of a refund? Neither, was told i should have cancelled DD at my bank and someone would telephone me to discuss the matter. Of course no-one has.

I am furious. Okay, we are not talking about very much money BUT cannot believe this very large insurance company has such extremely bad customer service. They are entirely at fault, have taken this money fraudently for several months, and would have continued to do so if I had not spotted it.

I have not named this company - it is just about the main one for insuring kitchen appliances. Have now put in an on-line complaint and am waiting to see what happens now.

Aldom Sun 18-Oct-26 08:15:50

* Franbern* Sorry this has happened to you, especially as you've been unwell.
Please contact your bank because I think you are protected under the Direct Debit Guarantee.
You should request an Indemnity claim for erroneous or unauthorized payment.
I hope this helps and that you are refunded by the bank. flowers

M0nica Sun 18-Oct-26 08:17:00

Why not name them? They cannot do anything to damage your life and the more such companies get named for pulling tricks like this the greater the chances it will be stopped.

If nothing else members of GN will be warned off this company.

Aveline Sun 18-Oct-26 08:27:59

It's always worth putting in a formal complaint. Also companies hate seeing negative comments about them on social media. Name and shame them.

25Avalon Sun 18-Oct-26 10:41:24

Phone your bank and ask for a Direct Debit Indemnity. You should be refunded under the current legislation. It is fortunate you noticed - some people don’t for some time as they don’t realise what it is. It pays to check your bank account regularly.

CarrotTop Sun 18-Oct-26 11:33:27

As 25Avalon said, you can get your money back although it's a pain to do it and in an ideal world you really shouldn't have to go to the bother.
Just a reminder to everyone to check your outgoings every once in a while - Standing Orders as well as Direct Debits. Cancelling regular payments is an easy(ish) process if you do online banking - you can also check your list of Payees and delete any that are no longer appropriate. If you don't bank online (I don't, for several reasons), go into your branch (or, if you're a sucker for punishment, phone them) and they'll cancel it for you.

fancythat Sun 18-Oct-26 13:22:48

I can guess which company[never had a problem myself], but would have to find paperwork to find name of it.

Are you on twitter? or X or whatever it is called now?

I had a bit of a problem with another company at one point.
Went on X.
Saw there were a few other people with the same issue.
I joined in with using the Company twitter account.
I got contacted online quickly and everything got resolved.

I guess, they did not want things to esculate publically.

Thinking kindly, they may have wanted things resolved correctly.