Saturday 16 January 2021

The Voice - Consumer's Voice

When should they take my money?

Please educate me here. I have a policy with an insurance company and I signed that they take their money every last day of the month. For the past few months its not been the case, they take their money around the 5th, 8th, 10th which is not part of the agreement. The other month they did the same and found nothing in my account and my bank penalised and charged me P150 for that and still I had to pay them premiums. Can you explain to me why this is happening?

I'm sure many readers of The Voice will have had exactly the same experience. Maybe not with an insurance company but perhaps with their bank, network provider or any other company that takes regular payments from their bank account.

I suspect this all depends on what it says in the contract you signed with the insurance company. What were the precise words in the section about payments? Did it say the exact date that the payment would be taken? Or was it a bit more flexible than that? Did it say that payments would be taken on a specific date unless there was a reason not to? Did it perhaps say that the insurance company will normally take it on the agreed date unless they want to take it on some other date?

Regardless of what agreement says, there's a bigger issue. Simple courtesy. If a supplier such as an insurance company or bank needs to take money earlier than expected they should at least have to courtesy to tell me first. Or perhaps even to ask me if it's ok? Or to check whether it's going to inconvenience me or cost me money. The simple fact is that the insurance company were rude to you and that's not acceptable.

We should both contact them and remind them that courtesy costs nothing but brings forth respect.

A bed or a refund?

Hello Mr Harriman, I paid for a bed worth 1.5k in December 2019. I left the bed at the shop because I didn't have transport at that particular time. In February 2020 I found transport and told them that I am coming to pick the bed but the lady gave me endless stories that she is not at the shop so no one will help me, So I gave in. In September I called her again that I am coming to pick the bed she gave me a screenshot where she asked her boss if the bed is available and he said no and she told me it will be available after a week. I reached her after a week and she told me the bed is not available. In October I called her again that I am coming and she told me the shop has moved to a different place and i asked for her boss's number. She gave it and I asked for a refund and he also gave me endless stories and empty promises up to this date they are failing to refund me. I am so disappointed in them and if supporting local mean this its a problem now.

I can understand your disappointment. You paid for a bed more than a year ago and you still don't have it. That's completely unacceptable. You have every right to cancel this deal and walk away with your money refunded to you in full.

The bad news is that I've heard very similar complaints about this company before. They have a long history of mistreating customers like you and failing to deliver decent products in a decent way. That doesn't mean we can't get you a refund, it just means that this might be a bit of a struggle. However, it's a struggle I'm looking forward to!

The unfortunate fact is that some companies don't deserve to succeed, they deserve to fail. Those companies that sell decent products at decent prices and serve their customers with respect and care deserve to become fabulously successful. The others, the ones like this company deserve to lose every customer and shut down. It seems harsh but that's how business works. This company should close as soon as it's met it's obligations.

Like giving you a refund.

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