Yes ive just called the financial ombudsman all I need to do is wait for the response from the SCS manager advising its their final response and they can take it on although may need to send some formal letters back before I get tot his stage

Just had a call from the area sales manager who automatically said that he believed it was not mis sold, and advised that there would have been information and leaflets around the store detailing that staining was not covered, even though I have a leaflet given to me to point of sale which gives mis leading infromation, he even said that he could not remember the wording form back in 2007!! He has requested the leaflet that I have to be faxed to him, but has said he will respond with the belief that I was not mis sold, so the question is, what's involved with going to a small claims court, or is this a step too far at this stage, he did say he will write to me so I have something in writing, but id love to open the flood gates for anyone who may have been mis sold this insurance before

Just an update, ive had communication from SCS, the on-line team missed the point that I was complaining about it being mis sold, once they found this out, they got a store manager to call me who also missed the point about my complaint, they have advised that an area sales manager will call me, and ive not had that call as yet. Although it has been easter so ill give them a little more time before taking it further

done it through Facebook now, will try and update here what happens for all. Thanks

Many thanks I didn't see anything come up when sending so assumed it went, but on looking in sent items there is 0, I don't fancy passing my personal details on here so it would be good if Kate_SCS could provide an email address to contact her directly?

Have sent you a PM with my details

Many thanks You dont happen to have what you said int he letter do you, so I can see what to put myself? Thanks

Hi I wonder if anyone can advise, on the way forward, back in 2008 We purchased a sofa and managed to get some discount off the sofa and put it on finance, part of this was the purchase of the guardsman policy for 5 years, we were told that we had to take this as part of the finance deal, even when asking could it be removed!! In any case we were told that it would cover Accidental damage for any stains rips burns etc.. "we could even sit on some scissors and puncher the leather, this will be covered" their words not mine, they were almost reading out of the leaflet we got as part of the sale, which specifically says. "No Pains with stains For a Small additional charge you can increase your peace of mind with our superb Guardsman warranty. Available on leather and fabric upholstery, Guardsman covers you in event of staining to furniture or accidental rips, tears and burns for five years from purchase, ensuring the best protection for your new furniture (please refer to policy for full details). Guardsman protection will help to prevent permanent staining of a suite, it cannot prevent general soiling." My 2 year old Daughter unfortunately spilled nail varnish that she got hold of on the arm of the sofa and this has effectively stained the sofa, I called guardsman and they advised that it was not covered and under the policy it does say point 12 Any instance of staining. I called SCS CS who advised me to call the branch, I spoke to the sales manager who asked to see the leaflet, I faxed this off and he called back to say that there was nothing he can do due to the fact the leaflet states (please refer to policy for full details) which we received a couple of months after the delivery of the sofa. I have spoken to the Citizens Advice consumer helpline who have recorded the case and will pass on to trading standards, but that I should send a Breach of contract letter to SCS Customer services recorded. My concern here is that im not entirely sure what to put in the letter and wondered if anyone else has had this issue, I know there is a lot of people in a very similar situation and that they feel misled regarding this. Any help would be much appreciated