They cancelled my policy!
I have an issue between me and the insurance company about my funeral policy. They said my policy has elapsed. Ok fine I understand and remember very well that December last year they didn't deduct, but in January and February there was enough money without fail, then instead of deducting P366 for January they took bank charges for December, and February they were to deduct for February thy said thy took the money for January Bank charges, which means all the money in the account for the past 3 months which was for the policy, it went to bank charges mind I didn't even receive a single message to notify me from December that I owe a month or two because I would have gone to pay because I wasn't aware that my policy is not deducting the money.
To my surprise beginning of March thy deducted the money P366 as usual, then at the end of March they sent a message saying my policy have lapsed. I went to their office to talk to them and ask if at all my policy has lapsed why are they still deducting my money, because by doing so it shows my policy is still active. I asked them to recover my account and I pay the 3 months. The lady said she will take the issue up with the bosses.
Mind you next year February was supposed to be my cash back year that lady said I should start the policy afresh. Please help me?
This is a sad example of how badly things can go wrong when a payment is missed. Just one missed payment can lead to double deductions or even treble deductions in later months. You can also incur bank charges if you go overdrawn. That one single missed payment can cost you a lot of money.
In this case, clearly the insurance company should have contacted you earlier. In 2026 we have a right to be told immediately if a payment fails. However, it’s also our responsibility to make sure that these payments are made. It’s a hassle, but we must check our bank statements every month to make sure we’ve paid everything we owe. Your situation is also unfortunate because the policy has now been canceled and as you say, you were approaching a cashback year, which might not happen anymore. I’ve contacted the insurance company to see if there’s anything they can do to reinstate your policy.
Can they make me pay to upgrade?
I bought an iPhone 12 Pro Max at a certain shop in Maun last December. Within a month it was over heating and also realized one button was not functioning well. I contacted the shop and they offered me to get a new one which was an upgrade which forced me to pop out more cash. In early April the new phone started to refuse to charge and they changed the faulty battery but I was asked to pay a certain fee for that.
Should I not be covered for at least 6 months?
I am getting really tired with the abusive way so many cellphone stores operate. They mislead their customers, they sell second-hand goods without disclosing it, they ignore what the law says about warranties, and they invent all sorts of reasons for ignoring consumer rights.
Readers of The Voice already know that Section 16 of the Consumer Protection Act says that a consumer can return a faulty item for either a repair, replacement, or a refund. The store can choose which of these three options they prefer, but they can’t do nothing. The Act also says that a store must do this “without penalty and at the supplier’s risk and expense”.
I contacted the store and explained this to them. I also mentioned to them that their receipt says that they only offer “2 months warranty for software only” and this is obviously wrong. Let’s hope they can understand. I used very simple words so I hope they do.
I have an issue between me and the insurance company about my funeral policy. They said my policy has elapsed. Ok fine I understand and remember very well that December last year they didn't deduct, but in January and February there was enough money without fail, then instead of deducting P366 for January they took bank charges for December, and February they were to deduct for February thy said thy took the money for January Bank charges, which means all the money in the account for the past 3 months which was for the policy, it went to bank charges mind I didn't even receive a single message to notify me from December that I owe a month or two because I would have gone to pay because I wasn't aware that my policy is not deducting the money.
To my surprise beginning of March thy deducted the money P366 as usual, then at the end of March they sent a message saying my policy have lapsed. I went to their office to talk to them and ask if at all my policy has lapsed why are they still deducting my money, because by doing so it shows my policy is still active. I asked them to recover my account and I pay the 3 months. The lady said she will take the issue up with the bosses.
Mind you next year February was supposed to be my cash back year that lady said I should start the policy afresh. Please help me?
This is a sad example of how badly things can go wrong when a payment is missed. Just one missed payment can lead to double deductions or even treble deductions in later months. You can also incur bank charges if you go overdrawn. That one single missed payment can cost you a lot of money.
In this case, clearly the insurance company should have contacted you earlier. In 2026 we have a right to be told immediately if a payment fails. However, it’s also our responsibility to make sure that these payments are made. It’s a hassle, but we must check our bank statements every month to make sure we’ve paid everything we owe. Your situation is also unfortunate because the policy has now been canceled and as you say, you were approaching a cashback year, which might not happen anymore. I’ve contacted the insurance company to see if there’s anything they can do to reinstate your policy.
Can they make me pay to upgrade?
I bought an iPhone 12 Pro Max at a certain shop in Maun last December. Within a month it was over heating and also realized one button was not functioning well. I contacted the shop and they offered me to get a new one which was an upgrade which forced me to pop out more cash. In early April the new phone started to refuse to charge and they changed the faulty battery but I was asked to pay a certain fee for that.
Should I not be covered for at least 6 months?
I am getting really tired with the abusive way so many cellphone stores operate. They mislead their customers, they sell second-hand goods without disclosing it, they ignore what the law says about warranties, and they invent all sorts of reasons for ignoring consumer rights.
Readers of The Voice already know that Section 16 of the Consumer Protection Act says that a consumer can return a faulty item for either a repair, replacement, or a refund. The store can choose which of these three options they prefer, but they can’t do nothing. The Act also says that a store must do this “without penalty and at the supplier’s risk and expense”.
I contacted the store and explained this to them. I also mentioned to them that their receipt says that they only offer “2 months warranty for software only” and this is obviously wrong. Let’s hope they can understand. I used very simple words so I hope they do.
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