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Reclaiming charges for crummy insurance sold over the phone?


Guest mattbee
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Guest mattbee

Hi there, I've recently noticed my wife has been paying out £6 per month (ish) for useless income protection insurance which she "agreed" to over the phone a couple of years back. I don't believe she ever received any documentation about this other than a sheet of A4 saying "thanks for signing up", and she certainly didn't sign anything - nevertheless the charges keep coming.

 

Now I'm going to try to help her reclaim the money from this pointless policy and think it was mis-sold since when she signed up she was either student (so no income to protect) or a civil servant (with massively generous sickness & injury benefits anyway). I think she has paid out around £150 or so.

 

Has anybody got any pointers as to the legality or otherwise of this method of selling, and how to fight it retrospectively? I think it stinks that banks & card companies will pass all your payment details on to a third party so that they can start billing you continuously with just a "well ok then" over the phone. I might start by asking for proof that she agreed to the policy in the first place, but even so I think the policy was never suitable for her, and they never checked this.

 

Any tips would be appreciated.

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