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Force selling of insurance products

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  • Force selling of insurance products

    Hi all,

    Last week I went to a well known DIY retailer and bought a piece of furniture from them. It was a chair priced at £99.99, reduced from £349.99 as it's ex-display.

    Anyway, just before actually handing over the cash, I notice that the tag on the item has two prices on it. One for the chair itself at £40.00 and another for furniture care at £59.99.

    I tell the clerk that I don't need the furniture care but I'm told that "it comes with it anyway, it's part of the deal". I have my suspicions but am still happy with the price so proceed.

    I get home and take a look at the paperwork.

    This furniture care is, indeed, an insurance product and entitles me to the statutory 14-day cooling off period PLUS an additional 11 days.

    So today I head back to the store to ask for my refund. I get into a slanging match with the 'manager' on duty.

    I tell him that, as it's an insurance product, he REALLY shouldn't be forcefully selling it to me and CERTAINLY shouldn't be giving me no option other than to take it. I liken it to the mis-selling of PPI and he says "it's completely different".

    I explain that the terms and conditions entitle me to a refund and he says "nobody here will give you a refund and if you phone head office they'll just ask for the chair back or cancel and refund the insurance and charge you another £59.99 for the chair instead."

    I tell him that the FSA would take a dim view on the situation and he scoffs. He tells me that the deal on all ex-display stuff is that you have to take the insurance. I suggest that that's only the case because of the huge commissions they make on ex-display.

    The pre-pubescent teen behind the desk then chimes up and says "it says on the label that you have to take it, so it's not false advertising". I challenge this by telling him that it's neither on the label (as other ex-display products are nearby with identical labels) nor legal to force sell it. He says "it's part of the deal".

    I was astonished at the blase attitude these guys had to what I think COULD be a pretty major problem for them.

    Does anyone have any thoughts?

    Cheers
    Tags: None

  • #2
    Re: Force selling of insurance products

    Hi CP

    I'm not too good on the legalities of this, but it sure seems like a scam to me. Mis-representation is a word that springs to my feeble mind here.

    FWIW, it seems somewhat 'oxymoral' that they should insist that an "ex-display" item has to have such insurance on it. I would be interested to see the small print. You may be entitled to a brand new replacement, because somebody has already sat on it - and left their mark. :beagle:

    Seriously - this isn't on, is it ?

    Guys ?

    Comment


    • #3
      Re: Force selling of insurance products

      Originally posted by Bill-K View Post
      Hi CP

      I'm not too good on the legalities of this, but it sure seems like a scam to me. Mis-representation is a word that springs to my feeble mind here.

      FWIW, it seems somewhat 'oxymoral' that they should insist that an "ex-display" item has to have such insurance on it. I would be interested to see the small print. You may be entitled to a brand new replacement, because somebody has already sat on it - and left their mark. :beagle:

      Seriously - this isn't on, is it ?

      Guys ?
      Can't sleep!? :tinysmile_grin_t:

      That's the thing, as I was getting in into my car it got marked, so I'd be within my rights to claim a new chair (or, as the manager said today, vouchers for £99.99 - pretty useless really as I won't get another of the same chairs for the same price).

      The mark, though, is small and on the back. You cannot see it.

      It's a really nice chair so I've no desire to get rid and get vouchers (I'd have bought vouchers if I wanted them) but it's now a principle thing.

      Comment


      • #4
        Re: Force selling of insurance products

        Originally posted by CornishPasty View Post
        Can't sleep!? :tinysmile_grin_t:
        LOL - As I guess you now know, I'm wide awake at this evil hour.:tinysmile_cry_t:
        That's the thing, as I was getting in into my car it got marked, so I'd be within my rights to claim a new chair (or, as the manager said today, vouchers for £99.99 - pretty useless really as I won't get another of the same chairs for the same price).

        The mark, though, is small and on the back. You cannot see it.

        It's a really nice chair so I've no desire to get rid and get vouchers (I'd have bought vouchers if I wanted them) but it's now a principle thing.
        I agree, CP. It's the b100dy principle. Sure, it was a good deal, I guess - but it was still mis-sold, IMHO. If they had made the price an honest price, then they were making a decent bargain with you. As it turned out, they were flogging you summat they hadn't got your consent to buying. So - my gut feeling is that you should keep the piece, but refuse the insurance, and take it to the FOS.

        If nowt else, it may stop them flogging this scam in future. But - do NOT put yourself in any position where you may be liable to lose out. Do NOT let this see a Small Claims court without further advice, matey.

        BTW......may we know just WHO this DIY firm is ? just for our records, of course...!!!

        Comment


        • #5
          Re: Force selling of insurance products

          Originally posted by Bill-K View Post
          I agree, CP. It's the b100dy principle. Sure, it was a good deal, I guess - but it was still mis-sold, IMHO. If they had made the price an honest price, then they were making a decent bargain with you. As it turned out, they were flogging you summat they hadn't got your consent to buying. So - my gut feeling is that you should keep the piece, but refuse the insurance, and take it to the FOS.

          If nowt else, it may stop them flogging this scam in future. But - do NOT put yourself in any position where you may be liable to lose out. Do NOT let this see a Small Claims court without further advice, matey.
          As I see it, they probably don't have to get anything for ex-display stuff. Anything they make is straight profit as the items are probably just written off, so to speak. So if they set the cheap price for the item and throw insurance on there, the sales people will get a health commission (god knows all these shops try to ram these silly insurances down your throat every time you buy anything these days).

          I will keep the seat. I like it a lot. But I don't like paying for something I don't want or need. Had they priced the CHAIR at £99.99 there wouldn't be a problem, but then they wouldn't get the commission.

          Originally posted by Bill-K View Post
          BTW......may we know just WHO this DIY firm is ? just for our records, of course...!!!
          I don't think it would be fair to name them....

          But it's a base at which to buy stuff for your home. That's all I can say.

          Comment


          • #6
            Re: Force selling of insurance products

            Yeah, I reckon you've just about got it nailed, CP. It's probably really a matter of whether you want to see this 'bottom-feeding' practice stopped. As you say, it's really just a matter of trying to claw back any losses, but there are decent ways of doing that, and this doesn't seem to be one of them.

            You can "take the chair and run," or you can pursue it further for the benefit of others.

            It's your choice, of course - and it's why you are here, I reckon.

            LOL - and thanx for the clues as to who it is !!!

            Comment


            • #7
              Re: Force selling of insurance products

              I'm going to stick with it, Bill! Christ knows I've nothing better to do!

              I don't like seeing people cheated. Anybody. And this is a blatant example of that.

              The attitude of the guys in the shop really annoyed me, too.

              Comment


              • #8
                Re: Force selling of insurance products

                Good on ya, matey. Looks like you're 'one of us' !!!!

                I'm finally off to bed, now...!!!

                Comment


                • #9
                  Re: Force selling of insurance products

                  this this so called insurance on the chair

                  do you have a policy document

                  i thought insurance policy sales were unlawful now at the point of sale in retail outlets

                  dont they have to give your 7 days PRIOR TO SELL YOU THE INSURANCE PRODUCT

                  i know that's the case for ppi
                  Last edited by miliitant; 16th February 2012, 08:15:AM.

                  Comment


                  • #10
                    Re: Force selling of insurance products

                    This needs to be referred to Trading Standards via Consumer Direct. Any insurance is optional, unless statute dictates otherwise, e.g. motor vehicles. It sounds like this store is pulling a fast one. Report them.
                    Life is a journey on which we all travel, sometimes together, but never alone.

                    Comment


                    • #11
                      Re: Force selling of insurance products

                      THE LATEST :

                      I called Consumer Direct who said I need to speak to the company first, which I admit to having forgotten to do before calling C.D. They said that, if I wanted them to, they'd register a case of mis-selling or something along those lines (I forget the term) to Trading Standards who would investigate.

                      I called the FOS who said it was nothing to do with them because Homebase doesn't have a license to sell insurance products (what?) and because the insurance company themselves were not involved in the selling of the product. They suggested I call C.D.

                      I called Homebase customer care who were actually very sympathetic and somewhat shocked by the attitude in the store. They expressed concern about the practice of making insurance mandatory and refusing a refund when requested.

                      They're waiting to speak to a store manager who will contact me directly.

                      Will update.

                      Comment


                      • #12
                        Re: Force selling of insurance products

                        IMHO, you must now stop phoning, and get it all down in writing, matey.

                        Comment

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