Saturday 7 October 2023

The Voice - Consumer's Voice

Where's my refund?

I bought a couple of things from a furniture company including a bed frame. One of their workers offered to assist me to buy a mattress for the bed. Before sending him the money, I called their boss to confirm if I could trust his guys of which he said I could. I sent him P2,000 for mattress on the 31st of July and to this day, I am still waiting. I ended up buying a mattress elsewhere. I met up with them at their warehouse earlier this month and I was promised my money back month end but now the story has changed and I am told that I should just go ahead and report the issue.

This is very suspicious. Why would an employee offer to help you buy something "on the side" like this. Why would the employer encourage or support one of their employees doing a deal themselves rather than through the company? Why would a furniture company that sells bed frames not be able to sell you a mattress as well?

I'm not an attorney but I think it's the company we should be talking to, not their employee. From what you say they approved of this side deal while you were on their premises and while you were buying the bed frame from them.

I think the best thing for the store to do is sit down with both you and the employee and identify a solution to this mess. If not, then we might need to escalate this to involve law enforcement and a possible charge of obtaining by false pretence?

Update: I contacted the store and the manager proposed exactly what I was going to suggest to him, that he gets you and the employee together to sort this out. Let me know what happens?

Won't they cover me?

Mr Harriman, I am writing this on behalf of my wife. She insured her car but unfortunately on the 23 July 2023 the unfortunate happened whereby she bumped in a parked car which belongs to me. After all the necessary steps taken and the relevant documents required were provided the insurer declined to attend to the car she bumped into as a third party their reason being that since we are married they can't cover the other car. We have since taken the issue to NBFIRA, we now waiting for the verdict.

My point of contention here is about the other car which they have taken for maintenance. Sir it is now almost three months with any development whereas they have taken the car telling us that they have found all the parts needed to maintain it. After some times having taken the car without any feedback we inquired why the delay. To our utter disbelief we were told they are no parts and that they have ordered them. All these was from garage where our car is. The owner of the garage took us from pillar to post. All these times we were contacting in insurer about our displeasure and they always promise to intervene but to no avail. Now we are told to wait for another 3 months for the parts to arrive. Imagine half a year waiting to be assisted I feel hard done by. Can you please help Sir.

This is something I've not heard before. The insurance company claims that a wife's policy doesn't cover damage to her husband's car? I think this will depend on the small print in your insurance policy. If there's a clause that says that then it's simple. But I'd be surprised if there was. The first thing you should do is get your policy document and read it very carefully. I assume you have a copy? The NBFIRA Policyholder Protection Rules make it very clear that you should have received a copy of the policy and if you've lost it they must give you a replacement.

As for the garage and their delays, you should mention to them that Section 14 (1) of the Consumer Protection Act says that a supplier must offer "timely performance and completion" of services you're paying for and "timely notice of any unavoidable delay" if they happen.

I think you deserve better from both of these companies and I'm happy to contact them both for you.

No comments: