Got Ripped off by meteor ! Help !

Kershaw.D

Hello
I have bought insurance through meteor .which turned out to be home care insurance ,which turned out to be fonesafe
After a few months when my phone was robbed and i tried to make a claim they gave me a lot of trouble
1)They never sent me out my t&c
2) When I rang them they told me to fill in a form and fax it to them so i did
3)Then I had to fill in about 20 different forms and fax it to them which cost me €1.50 each time (it was in the u.k)
4)Then I had to pay €35 to get my new phone (they never told me that when buying the insurance)
5)They charged my credit card and i had to send them a postal order
6)They Said that they would send me back my postal order but i never received it and they said that there was noting that they could do about that
7)I got my phone 3 months later
8)When i got it it was broken (wouldn't charge)
9)I spent over an hour on the phone (to a UK number from a mobile which cost me a lot)to get them to fix it
10)Two weeks later when i got my susposedly fixed phone it still wasn't fixed
11)It still isn't fixed
12)The insurance company canceled my insurance policy because they made a mistake by selling me the insurance because I'm 15 but i told them that i was 15 when buying the insurance
13)I still haven't gotten any refunds

IS THERE ANYTHING THAT I CAN DO?

Random

1. did you see any in the shop?
2. standard procedure generally when making claims under phone insurance
3. I don't believe this exageration
4. it's called an excess, it would have been in the t&c that you signed or agreed to when you signed the form / took out insurance
5. I'm confused, you're saying they charged you twice each month or twice times 35eur?
6. you need to follow this up with the company again, getting more details on when it was sent, how, etc
7. was there stock issues or did you have any other queries / problems that would have caused this delay?
8. faulty phones happen.
9. ...
10. so repaired and still broken. fine.
11. still? have you sent it back again? It won't fix itself sitting at home. Have you alternaitvely asked for a new one? Usually insurance claims give you a couple of days where you get a new swap out .. much like if you just bought it new
12. this is a legal issue, they probably have no choice
13. what have you done to get them?

If you're 15 I would suggest you have a parent or guardian contact these people for you. No offence but you may be coming across as a young kid on the phone etc.

Sam Vimes

call them and ask for a refund. they can't cancel your policy because of their mistake and then keep the money they never should have taken

explain that to an agent and if you get nowhere ask to speak to a team leader. if that gets you nowhere, send them a registered letter of complaint

if that gets you nowhere, contact the regulator, which in this case i think would be the financial regulator

Random

Sam Vimes wrote: »

call them and ask for a refund. they can't cancel your policy because of their mistake and then keep the money they never should have taken

explain that to an agent and if you get nowhere ask to speak to a team leader. if that gets you nowhere, send them a registered letter of complaint

if that gets you nowhere, contact the regulator, which in this case i think would be the financial regulator

The insurance isn't with Meteor though. The T&C would have (probably, if it's like others) said that the contract is with xyz (in this case he mentioned fonesafe??) so he would need to contact him.

Again though, given that he's 15 I would really suggest he get a parent / guardian. Kids aren't taken seriously be this right or wrong (sorry, but you're just a kid!).

chrislad

Meteor would not charge you. Meteor do not deal with insurance. They wil facilitate you by getting you forms, sending you out a claim pack and blocking the IMEI for the insurance company, in this case, Homecare. Homecare would have charged you the 35e, not Meteor.

In reponse to some of your points too.

9) There's a freefone Irish number for this. Check the site

To be honest, your issue isn't with Meteor, it's with Homecare. It's like me buying a pack of Heinz Beans from Dunnes and giving out to Dunnes that the beans didn't taste like they do normally. Dunnes have no control over that. Yes, I realise this isn't the best comparison, but I've a 3 week old son so I'm not firing on all cylinders!

Sam Vimes

Random wrote: »

The insurance isn't with Meteor though. The T&C would have (probably, if it's like others) said that the contract is with xyz (in this case he mentioned fonesafe??) so he would need to contact him.

I didn't say call meteor, i said call them

wyndham

Where does a 15 yr old get a credit card?

MagicMarker

And wtf does a 15 year old need insurance on a phone for?

Cabaal

15 year old only needs a pay as you go phone, doesn't need insurance for one and if he does then he/she is wasting far too much money on expensive phones and can't legally hold a credit card

Kershaw.D

Used My credit card

zuroph

sales person in store gets commission to sell insurance, shouldnt have sold to you and knew it, small claims court IMO

MagicMarker

Kershaw.D wrote: »

Used My credit card

How, at 15 years old, do you have a credit card?

javaboy

Cabaal wrote: »

15 year old only needs a pay as you go phone, doesn't need insurance for one and if he does then he/she is wasting far too much money on expensive phones and can't legally hold a credit card

It's his/her choice if that's what he wants to spend money on surely? No different from some teenager buying an expensive games console or iPod.

As for insurance, the phone was stolen which is apparently covered by the insurance. If the phone had been stolen and (s)he hadn't got theft cover, they'd be kicking themselves now.

Thoie

wyndham wrote: »

Where does a 15 yr old get a credit card?

Probably the same place that he gets a car.

javaboy

OP are you using someone else's account? From some of your other posts there's no way you can be 15.

MagicMarker

Thoie wrote: »

Probably the same place that he gets a car.

Not to mention the Eircom BB account he had when he was 11.

Sam Vimes

a 15 year old who has a credit card, a car and a broadband account shouldn't be bothered about a few euro lost on insurance imo

javaboy

It's the 3 kids I'm puzzled about tbh.

Kershaw.D

javaboy wrote: »

OP are you using someone else's account? From some of your other posts there's no way you can be 15.

Yea I'm using my uncles account

Kershaw.D

javaboy wrote: »

It's the 3 kids I'm puzzled about tbh.

None of the other treads are me ,I'm using my uncles account

Thoie

Kershaw.D wrote: »

Yea I'm using my uncles account

May I recommend that you stop teaching your uncle your internet mannerisms of spelling, use of smilies etc.?

Anyway, getting back to the point, ask a parent/guardian to discuss the matter with the insurance company, as a 15 year old should not have been granted insurance without the signature of a guardian.

Tarakiwa

There are a few too many holes in this for me to believe that it is a true problem / complaint.

Is this just a bit of Meteor bashing??

Kershaw.D

Tarakiwa wrote: »

There are a few too many holes in this for me to believe that it is a true problem / complaint.

Is this just a bit of Meteor bashing??

Not realy complaining about meteor just cpp(cpp.co.uk)


Can the irish finincial omnibusman help me or do i need someone english to help:eek:

reverandkenjami

Why did you sign up for something if you didn't read the t&c's first?

Kershaw.D

reverandkenjami wrote: »

Why did you sign up for something if you didn't read the t&c's first?

Because they didnt show me any
and they said that i would get them by post
:eek::cool::P:(:mad::o:p:):rolleyes:;):D:pac:

MagicMarker

Kershaw.D wrote: »

Not realy complaining about meteor just cpp(cpp.co.uk)


Can the irish finincial omnibusman help me or do i need someone english to help:eek:

You need your parents to help.

wasim21k

these english insurance companies.....:mad:
dont waist your time on irish financial ombudsman my personal experience if insurance company is english then its english ombudsman. but first you need parents help.

Kershaw.D wrote: »

Not realy complaining about meteor just cpp(cpp.co.uk)


Can the irish finincial omnibusman help me or do i need someone english to help:eek:

Kershaw.D

wasim21k wrote: »

these english insurance companies.....:mad:
dont waist your time on irish financial ombudsman my personal experience if insurance company is english then its english ombudsman. but first you need parents help.

im not doing anything myself my parents are doing it all
there just asking me to ask
:pac::eek::o:p:cool::mad::):D;):rolleyes::(:P

forestfruits

Go to your Citizens Information office- they will sort it out! or at least give you the info to sort it out

sdanseo

Edit: @forestfrouts - thought this was a different thread, rendering my reply stupid. Damn you firefox!

forestfruits

Well that would sort it out then!;)

Breezer

Kershaw.D wrote: »

10)Two weeks later when i got my susposedly fixed phone it still wasn't fixed

I can't help you on the insurance situation because I don't have any experience in that regard.

However, if they've fixed a phone for you, and it still has the exact same problem, then you're legally entitled to a replacement or a refund. This happened to me a few months ago. I spoke to 5 separate people in Meteor, each more senior than the last, each of whom tried to fob me off with their policy of only offering repairs, not replacements or refunds, until the same fault has occurred 3 times. I eventually lost patience, took small claims proceedings, and won - I got my full refund this week. I'll never touch Meteor again.

You or your parents should talk to the National Consumer Agency to find out exactly where you stand on this issue; I found them very helpful. The website is http://www.consumerconnect.ie/. They give a lot of 'sample scenarios' and what a consumer in each situation would be entitled to; if you don't find one that matches your case you can ring them and talk to them.

Good luck!

Sam Vimes

Breezer wrote: »

I'll never touch Meteor again.

you'll have to stay on o2 so and only deal with o2 stores (not third party retailers) because every other phone shop i've come across follows the same policy, crap as it is

Breezer

Sam Vimes wrote: »

you'll have to stay on o2 so and only deal with o2 stores (not third party retailers) because every other phone shop i've come across follows the same policy, crap as it is

I fully intend to, it's the only decent phone company in Ireland in my experience. But if it comes to it and I do choose another operator, and the same thing happens, I've no problem taking the same course of action again.

foggy_lad

you'll have to stay on o2 so and only deal with o2 stores (not third party retailers) because every other phone shop i've come across follows the same policy, crap as it is

but this is a policy and not law and afaik this policy will be ignored by the small claims court who will deal reasonably with the issues.(the local cpw has been in the small claims court several times and mostly loses due to their policy of three repairs then replacement) op you should get a parent to assist you in getting a replacement or refund through the small claims court if necessary.

Breezer

foggy_lad wrote: »

but this is a policy and not law and afaik this policy will be ignored by the small claims court who will deal reasonably with the issues.

Precisely. It'd be nice if measures could be brought in to penalise businesses that do this on a regular basis though, rather than each individual consumer having to bring a legitimate complaint to the small claims court, which, despite what is said, can take several months.

Sam Vimes

foggy_lad wrote: »

but this is a policy and not law and afaik this policy will be ignored by the small claims court who will deal reasonably with the issues.(the local cpw has been in the small claims court several times and mostly loses due to their policy of three repairs then replacement) op you should get a parent to assist you in getting a replacement or refund through the small claims court if necessary.

and i'd say each time they were in court was against your good self :P

i know the policy isn't exactly customer friendly, i was just pointing out that boycotting meteor was pointless because pretty much every other shop in the country follows the same policy

i do wonder though why all these shops are allowed to keep this policy if they've been brought to court for it and lost. or is it just that there's no enforcement?

foggy_lad

and i'd say each time they were in court was against your good self

was that some kind of personal jibe directed at me?

i know the policy isn't exactly customer friendly, i was just pointing out that boycotting meteor was pointless because pretty much every other shop in the country follows the same policy

the cases were brought against the store not any particular network

i do wonder though why all these shops are allowed to keep this policy if they've been brought to court for it and lost. or is it just that there's no enforcement?

the stores can have their policies but it can be challenged by the customer as the sale of goods act allows for what is reasonable, and obviously the stores make an economic decision to keep this policy even if a few people go to court they will still make money out of the people that just throw faulty phones away rather than deal with store staff arguing over their consumer rights!

as far as i read in the local papers the cases could easily have been avoided had the store staff been reasonable!

basically if you are told you must have a faulty phone repaired three times before you can get it replaced three times before you can get a refund you do not have to accept this as it is only the stores policy not law or as many would say not reasonable!

Sam Vimes

foggy_lad wrote: »

was that some kind of personal jibe directed at me?

no it was a joke. Note the smiley at the end

foggy_lad wrote: »

the cases were brought against the store not any particular network

I know that, i was referring to the original reason i made my post when the poster said he'd never touch meteor again. I was pointing out that meteor are not the only people that do it

Breezer

Sam Vimes wrote: »

no it was a joke. Note the smiley at the end

I know that, i was referring to the original reason i made my post when the poster said he'd never touch meteor again. I was pointing out that meteor are not the only people that do it

True, but as I said I'll give my business to the one company that doesn't have an illegal policy. Problem solved as far as I'm concerned.

rayhartjnr

meteor are a brutal moneygrabbing company who will do anything to resist paying out on anything, i would advise everyone to stay away, they're only interested it the bottom line and dont give a toss about customers.
and the signal is awful.