Denise Chisholm had been paying around £11 a month to insure her daughter’s iPhone – but was shocked when she was told she couldn’t make a claim if the phone broke
A mum who spent two years paying for ‘useless’ mobile phone insurance has recovered £720.
Denise Chisholm, 57, a nurse from Tyne and Wear, had been paying around £11 a month to insure her daughter’s iPhone.
But when the phone broke and Ms Chisholm tried to make a claim, she was told she could not get a replacement.
The company said the respective iPhone phone model is no longer being manufactured, claiming this means it cannot offer a comparable replacement.
Ms Chisholm was also told she could not have the phone repaired. The mother had taken out cell phone insurance in 2017 and attempted to make a claim in 2019.
“The phone’s screen was cracked and the entire device had gone black and had to be replaced,” Ms Chisholm said.
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“I was mad. The insurance wasn’t worth the paper it was written on.”
Ms Chisholm lodged a complaint with the insurance company and sought legal advice from Barings Law.
Barings Law took a fee of £570 from the total amount she received for a refund and compensation, leaving her £720.
It’s worth noting that you may be able to address abusive sales claims yourself without having to pay a law firm.
How to make a complaint about wrongly sold products
First and foremost, you should complain directly to the company with as much evidence as possible to support your case.
You can use the free online grievance tool Resolver to do this if you are unsure how to phrase your grievance.
If this does not resolve the matter, you can escalate this to the free Financial Ombudsman Service.
To get in touch you need to fill out a form which you can find on the FOS website or simply fill out the online complaint form.
If you would prefer to discuss it with someone, FOS can help you do this by calling 0800 023 4567.
It can take three to nine months to reach a verdict, and longer for PPI complaints. So keep in mind that this can be a lengthy process.
If you are still unsatisfied with the outcome, you may consider taking the company to small claims court. They will take the Ombudsman’s decision into account.
There are also fees if you go to court, starting at £25 and going up to £455 depending on how much you’re trying to claim.
If you don’t win, you could end up paying legal fees for the other side – so make sure you have a good case on hand first before filing an application.
But if you win your case, you should get your court costs back.
You must be trying to recover £10,000 or less to open a small claims court case in England and Wales, or less than £5,000 in Scotland or £3,000 in Northern Ireland.
https://www.mirror.co.uk/money/mum-who-took-out-useless-26814319 Mum who took out 'useless' phone insurance wins £720 after paying for two years