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  1. Hi there, I have a quick question regarding buying insurance online. I took a policy out a few days prior to my existing cover ending with oncecall insurance. I was a bit panicky at the time and took the cover out, paid deposit of about £25 and that was that. I then decided to do what I should have done and read some reviews on the company. Oh dear I couldn't have picked a worse company if I tried. So I emailed them to cancel the polcy, and from there this is how things went over the last few days... Took the policy out, wasnt impressed with the documents (electronic format of the actual car insurance document was illegible, terms were dodgy) Phoned to cancel it a few days ago within the 14 day cooling off period. Email a few days later from them confirming cancellation. I queired the deposit refund then got another email 2 days later saying I had to call them to discuss the refund. Phoned them just now 3 times (first was wrong department, second cut me off) telling me they didn't need to refund it as the distance selling regs are there for consumers and insurers. they also said that their terms wouldn't normally alllow for the refund (even though cover hadn't even started). So I mentioned mentioned Trading Standards and the DSR. They then put me on hold and as a gesture of good will would refund me. SHAMBLES! Anyway, my question would be do they have to issue me the refund without asking me why I cancelled in the first place? Cheers, Paul.
  2. Hi, me and my partner joined the gym on 14/01/14, we paid for the remainder of the month upfront by cash or card, a nd then set up a direct debit to start from February on wards. We are on a rolling contract and was verbally told we need to give a months notice before cancellation, although this is not in the written contract. Moving house and realsing we cannot afford the gym membership we decided to cancel. I believe since we paid for the remainder of the month upfront, and that the direct debits had not started we are entitled to the 14 day cool off period as in effect our contract had not started (I may be corrected). When stating this to the gym in a cancellation email they completely ignored this aspect and referred to the months notice. The direct debit has been cancelled. Am I correct in my reasoning that we were entitled to the cooling off period, or was the paying upfront classed as part of the contracted payments? Secondly, if I've cancelled the DD, are they likely to pursue the months fee which would be £70 between us?
  3. Hi, Some advice would be much appreciated. 1 week ago I took out a 24 month contract with CPW instore on Tmobile and an Xperia T. I have read the info regarding the 14 day cooling off period for distance sales, however in my case there was no 'demo' phone in the store (although I did ask if there was one I could 'play' with) and the sales assistant, despite being very helpful, mistakenly misinformed me about a couple of things to do with the phone. Will I be able to cancel this contract? Regards
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