Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have been in had they not purchased the insurance. What we're doing to put things right We have designed and agreed a customer contact and refund programme and will refund Ace and Studio customers the premium they paid for the insurance together with interest. The average premium amount to be refunded will be approximately £38. We have identified approximately 330,000 affected customers. https://www.express-gifts.co.uk/looking-after-our-pp-customers And ... https://www.thinkmoney.co.uk/news-advice/bought-cover-from-a-catalogue-company-how-to-get-a-refund-0-8575-0.htm

Hi everyone, I'm hoping all you knowledgable folk on here can offer your assistance . I started a part time job last year. During the interview, I explained that I was looking for part time hours to enable me to pursue a hobby, which I also get paid for, not much but I do it because I love it. I don't claim any credits or anything like that, money isn't everything to me. They were receptive to this and liked hearing about it. They also explained to me that sometimes they may ask that I do some overtime during heavy workload periods, not often, just an hour or so here and there, which I was fine with. I was also told that it is optional, so if I am busy with my hobby then it's not a problem as long as it doesn't interfere with my normal working hours, which it doesn't. But the overtime is constant, not occasional. If they ask me if I can come in an hour early or stay for an extra hour, I will if I don't have plans. Even then, if my own workload takes me over my finish time, I will stay until I've finished to make sure it's done so it doesn't delay other departments. For example, last week they asked if I could come in an hour early, which I did, and I also stayed an hour later without being asked due to my own work, as mentioned above. I should also say that all overtime is paid. However, it seems that the optional aspect may not be entirely true. For example, I was told that I have to stay for an hour longer due to the workload. It was inconvenient and I missed out on earning a few pennies from my hobby that evening due to it, but it didn't matter to them. I have also overheard little comments and tuts from other team members when I'm leaving for the day and they're staying behind, but they haven't been asked to, they're doing it off of their own backs. I don't see how them staying behind is my problem if my workload has been finished and theirs has not. So really, I'm not happy that this overtime doesn't appear to be optional in most circumstances, despite what I was told in the interview and what it says in my contract, and I'm not happy with the other team member's attitude towards me. I realise that I probably can't do much about the latter, it's the most two-faced place I've worked to be honest. Where do I stand? As the overtime is optional then I have every right to turn it down if I'm unable to do it, right? It's really getting me down, I can't make plans anymore and the attitude stinks. Thoughts? Thanks in advance.

Hi Cagger's I know I've been very dumb I know it, anyway I bought something from Bright house last year and I was told if I did not have contents insurance I would have to take out the OSC. In fact I was dumb again the same year and bought something else and was told exactly the same thing. It is my intention to pay these items off and no longer use bright house. but I have since learnt that you can cancell the OSC at any time and I have already drafted a letter using a template from this site. However, I am reading conflicting information about getting a refund for the OSC I have already paid. Is it possible to have this refunded and applied to my account to reduce the amount I owe? I was clearly missold these items as I now understand the line about having contents insurance is bull****. Thanks people

I am having a dispute with Brighthouse regarding getting a refund for the payments of I have made for Optional Service Cover and Late Payment Charges! Has anyone made any headway with this company as to actually receiving a refund for this? Many thanks Pat