Many thanks, it's nice to know we're not suffering alone. I must say, I didn't realise that one might have to pay a delivery charge in the event of a replacement being required. I'd always understood the "kitchenplan" to be an insurance policy, and that the principle of insurance is to put you back in the position you were in before the insured incident occurred. D&G seem to be loading the risk heavily in their favour, by clawing back additional expenses in return for settling the claim. Sounds like blackmail to me! As with many things that appear a good idea at the time and then turn out not to be quite what they seem, it's finally occurred to me that this insurance is a rip off, unless you are very unlucky and happen to have a lot of things go wrong. That is of course what insurance is all about, but I calculate that based on the current premium, I shall pay a little over £2,000 over the next 10 years. I think I would rather put £17 a month into a piggy bank and take my chances!

How disappointing. After posting my last message, I have realised that if you type the words "phone calls", the Consumer Action Group decides you want to insert a hyperlink to some dodgy advert. I guess it is true that half the world is trying to rip off the other half, after all!

Oh how I wish I'd read this thread a long time ago. Having been a policyholder of D&G's kitchen policy for over 10 years, I am only now making my first claim for a Hotpoint / Indesit fridge freezer that has stopped working properly. After 4 visits, the Indesit engineer finally threw in the towell and said that he would authorise a replacement unit. After countless and expensive phone calls to D&G, they simply hide behind the fact that they can't do anything until they hear from Indesit. After countless and expensive phone calls to Indesit, I get passed from pillar to post, always promising that someone will look into it and call me back - which they never do. I can only imagine that D&G and Indesit are in cahoots with each other, and are working on the basis that eventually most customers will give up. I won't!

I get one of these texts every couple of months, and have been doing so for the last 3 or 4 years. I always text back " get lost". They are obviously phishing.

I'm trying to help a young friend of mine - before it's too late. I'm not sure I have all the facts, but it seems 3 years ago he "handed back his keys" to NR, when ( Don't know the reason) he discovered he was in arrears and couldn't pay. NR repossessed and sold the property. He then moved and has been staying with friends and has never heard from NR since. I believe he should contact NR and ask them what the position is - ie does he owe them money. He prefers to "keep his head down" hoping they will forget all about him. I think he thinks he owes them a significant sum and has got away with it. Im sure the right thing is to contact NR and ask them to confirm. Does anyone have any advice? Is it possible to discover whether all debts are cleared ( maybe by getting a credit check ) and be certain a debt won't crawl out of the woodwork later?