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Anyone know their legal stuff?

freestyle Avatar
1d, 2m agoPosted 1 decade, 2 months ago
May last year i purchased a tv from comet and paid for their 5 year product cover.

We've sold the tv after purhasing a deal from here and decided to go over the insurance certificates conditions. The cancellation section states:

Provided you have not made a claim, you may cancel the this policy and receive a full refund of the premium within 45 days of purchase. After 45 days, you are entitled to terminate your policy at any time and receive a refund of premium equivalent to the number of full unexpired months of cover remaining on the policy.

To cancel your policy, simply return with this certificate to where you purchased the cover. Our colleagues will be pleased to assist you.

Seeing as theres quite a few months left until the cover expiry in May 2010, i decided to pop into comet, cancel it and get back some of premium.

Pleased to assist me is something their colleagues weren't. First she tried to fob me off saying i couldn't do anything after 45 days, then after several requests that she read her own companies conditions she finally read the full cancellation box. She then rang the manager (who wouldn't come out and see me) and told me i would have to phone the product cover office and that i probably won't get any form of refund as 12 months have passed.

Now i may not know my legal stuff, but there's two ways i see it:

a) they should be refunding me the unexpired months.
b) i've been mis-sold the policy as i don't know what this 12 months she was referring to is about.

Can anybody help?????
freestyle Avatar
1d, 2m agoPosted 1 decade, 2 months ago
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#1
[FONT=Verdana][SIZE=3]
[FONT=Verdana]Frequently asked questions about consumer affairs[/FONT]



[FONT=Verdana][SIZE=2][COLOR=black]Citizens Advice[/COLOR] [/SIZE]
[/FONT][/SIZE][/FONT]
#2
http://www.financial-ombudsman.org.uk/

Try this lot - they are also linked to FSA and should be able to point you in the correct direction.
2 Likes #3
http://www.consumerline.org/

This deals with N.Ireland, but am sure the same applies.
I used them for a problem that I had with Tesco - very informative and more knowledge than Citizens Advice. Citezins advice where I live only seem to be capable of helping folks fill in Government forms.

Hope this helps
#4
a)
Comet is in clear breach on contract. Write them a Letter before Action letter demanding the money back that they owe you. Give them 14 days to reply, then go to the small claims court, and include your ancillary costs against comet. You can file your claim online at https://www.moneyclaim.gov.uk/csmco2/index.jsp.

b)
If you want Comet prosecuted for fraud under Misrepresentation Act, you need to report them to Trading Standards, who are the only people that have the power to prosecute. And whether or not they do decide to prosecute Comet is entirely up to them.
For further help, http://www.consumerdirect.gov.uk/ 08454 040506.

Hope this helps.
#5
It sounds like the store are not keeping thier end of their own rules, as previously stated I'd got to Citizens advice andget the clearer picture
#6
My post is advice from Citizens Advice Bureau
suspended#7
If you have a complaint against a trader or a credit company you may need to send a letter. Before you write, make sure:

You have a valid complaint.
You have the correct name and address of the trader or the credit company.
You have copies of any documents, receipts, guarantees or reports which you may need to send with your letter.
Remember:

Quote your reference or account number if you have one.
Keep a copy of your letter.
Don't send original documents.
Send your letter by Recorded Delivery (you will have to go to the Post Office for this).
Write as soon as you can.
If you don't get a reply to your letter write again after a reasonable time, say 14 days.

There are some handy templates here

Have you tried to sell the policy on as part of the tv package (just out of interest)
#8
docnumbers;124532
a)
Comet is in clear breach on contract. Write them a Letter before Action letter demanding the money back that they owe you. Give them 14 days to reply, then go to the small claims court, and include your ancillary costs against comet. You can file your claim online at https://www.moneyclaim.gov.uk/csmco2/index.jsp.

Exactly what i was going to say!
If OP needs some help issuing claim get in touch.
#9
sainthalo;2232229
Exactly what i was going to say!
If OP needs some help issuing claim get in touch.


Damn, and to think he just beat you to it by 21 months... :giggle:
banned#10
Where did this come from:?
banned#11
jah128
Damn, and to think he just beat you to it by 21 months... :giggle:


AHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH!

sooooooo funnny! almost the best post of june...(beaten by proximo)

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