Top Shop + Card protection

[Rich44]

Long story short

 

Partner had said card for about 7 years or so then we moved house having cleared the card it was cut up and thrown out.

 

We have today received a bill for £75 for 3 years of payment protection plan that we dont want.

 

She called up and they have after much arguing agreed to reduce it to £30 (very big of them) I have hit the roof we are incredibly hard up and £30 is a lot of money at the moment and I dont see why we should be blackmailed into buying something we dont want and have no use for.

 

Any ideas on this?

[The GodMother]

if u dont have the card then u dont have to pay it as far as i know. Have you recieved any letters or statements, Except final statement, from them since disposing of the card?

[sequenci]

possibly CCA them?

 

I would imagine the Topshop card is unenforceable, especially if it was one which was signed up to instore.

[Rich44]

Thanks I will do so.

 

My partner called Top shop up they washed their hands of it and pointed her at the insurance company, she called them up and they said the £70 was for 3 years insurance that they take out at once (what a rip off) and that they would not refund it but that they would reduce it to £30 for one year as a gesture of goodwill.

 

Now I was thinking if they did this it would restart the policy as we have never had any documents and surely then we would be entitled to cancel it under the distance selling regs or if not we be due a cooling off period anyway would that work?

 

I am not sure what approach to take with it as it is a Top Shop store card but they are saying its not a debt owed to them you need to go to the insurance company which sounds really really dodgy to me

Up till last week we haven't heard a dicky bird from them, we moved in January and the card was cut up and the balance cleared a long long time before then

[The GodMother]

I would contact the insurance company and inform them u are not paying as uyou dont have the card.

 

If you can i would also get some type of written confirmation from Top shop store card to say the debt is cleard and that you no longer have an account with them. they cant collect on a account which is not active.

[Rich44]

The trouble is the insurance company have already been paid from the top shop card and now the finance co wants that money paid.

 

The whole thing is a bloomin mess, the card protection thing is one of these cover all your cards policy so don't know if that changes anything but we STILL havent had any paperwork through even after speaking to them

[MikeSplicer]

Insurance for what???? if the card had zero balance what the L where they insuring

[Rich44]

It's that stupid insure all your cards so that in the event of theft/loss you make one call and we cancel all your cards for you rubbish

[The GodMother]

jsut tell me u dont want it and it was cancelled when u cancelled the top shop card.

[Rich44]

Apparently the paperwork came today so i'll have a look go thru it and see what happens either way its not getting paid so they can take us to court and see what it gets them

[The GodMother]

what paperwork would that be?

[Rich44]

The paperwork for this insurance policy, going to cca Top Shop later and then see where it goes from there

[The GodMother]

yep maybe it ould also be a good idea for u to cca the insurance company.