Hi, sorry to hijack this thread. Could any of you who have claimed form sainsburys help me with this question: http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/237980-sainsburys-credit-care-insurance.html thanks

Hi, I have had a Sainsbury's credit card since March 2003. I wrote to them asking for a copy of all the information they held about me. I got this information this morning In amongst the information is the Visa Card Agreement that I signed for the credit card. There is a section titled payment protection and basically I had to tick the box and sign next to it saying "I want you to arrange credit care insurance to protect my payments" I have not ticked this box or signed the box. I did sign the credit agreement accepting the credit card and stating that all details were correct. I can't even remember agreeing to this. I doubt I would have agreed to it over the phone. If I agreed to it on the phone then surely I should have signed a document. Nowhere in all the information they sent is a document saying that I agree to pay their insurance. Does this mean I can claim my money back. From all the information they sent, they cannot prove I agreed to it. Thanks

Hi, I bought the laptop on the 19th May 2009 and the warranty on the 3rd December 2009.

Hi, I bought a extended warranty from this company for my acer laptop which cost 89.99 pounds including delivery. When I received the activation code I went on Acer's website to activate the warranty but I could not activate it because the warranty can only be bought within 90 days of purchasing my laptop. I bought my laptop well over 90 days so I could not use this warranty so I contacted laptopsdirect customer services asking for a refund and I was told even though I broke the seal to reveal the activation codes as long as the warranty was not activated I would get a refund. I returned the warranty to them and a few days later I received a email from them stating that they were returning the warranty so I phoned them up again. They said they would not be refunding my money as the envelope that the warranty activation code was in was opened. In the Acer warranty booklet it states this warranty has to be bought within 90 days of buying my laptop. This was not stated by laptopsdirect in their terms and conditions or in the warranty policy that I viewed before purchasing this warranty. I have contacted Trading Standards and the Financial ombudsman and they are both looking into this matter for me. Laptopsdirect.co.uk also trade under the name buyitdirect.co.uk. If anyone has any advice or have had a similar experience with this company please let me know.