Canceled tech-insurance in Curry's (via cancelling direct debt). But they're still covering me

As in, somehow the cancellation of the direct debt must not have registered on their system.

And though I haven't paid in 4 months, they're still providing me with insurance (the premium I have is month-to-month).

Additionally, I just got my laptop repaired with them, which totaled about 300 euro.

The defect with the laptop was "fatal", per se. As in, it simply stopped working, totally fried after only 12 months and 1 week of use.

........

Now based on the other threads delineating Irish consumer law, I should have been covered regardless, therefore I'm not losing too much sleep over the insurance non-payments.

I questioned in store (just the regular floor staff) as to this situation, and they said getting it repaired outside of insurance is significantly more complicated and full with hassle.

Apparently one needs to get the problem diagnosed by a third party, then give the machine to Curry's and have them validate the diagnosis (which they'll try everything in the book to avoid doing), and only then, they might agree to repair/replace it outside warranty or insurance.

.........

As Curry's is actually a UK business, does small claims court proceedings in the EU/Ireland apply to them?

As in, would a SCC application actually accomplish anything, if I wanted to rely on that in future when something goes wrong, instead of maintaining tech insurance?

L1011

Tech insurance is nearly always a scam.

The purchase being in Ireland means Irish law applies. They have a registered office here, that is where you use as their address. I have used the SCC procedure against Hong Kong (3) and US (HP) firms; it doesn't mean anything where they are based once the sale is in Ireland.

https://www.boards.ie/discussion/comment/121077825#Comment_121077825

Oh really?

After reading this:

https://www.boards.ie/discussion/2058287201/aovo-scooter-not-working-after-4-months-aovo-refuse-to-supply-a-new-battery

It seems this consumer got stung for a few hundred cause the manufacturer was based in Hong Kong?

L1011

https://www.boards.ie/discussion/comment/121077971#Comment_121077971

They bought from a Hong Kong shop, based on the content of the thread. You bought from an Irish shop of foreign ownership.

These two things cannot be compared in any way when it comes to consumer rights.

https://www.boards.ie/discussion/comment/121077984#Comment_121077984

When the Curry's tech insurance realizes I haven't been paying my premiums, and actually availed of an insurance repair after discontinuing payments - any thoughts on what might happen?

Assuming they eventually notice of course.

L1011

https://www.boards.ie/discussion/comment/121078152#Comment_121078152

They are exceptionally unlikely to notice.

Mrs OBumble

https://www.boards.ie/discussion/comment/121078152#Comment_121078152

I wouldn't be surprised if in a few years time, they sell the debt to a professional debt-collector who is rather more adept than them at the process.

https://www.boards.ie/discussion/comment/121078193#Comment_121078193

lol

Not a lot of love for Curry's around here.

But I feel perfectly fine if that's the case.

As going on what I'm reading here, they're basically circumventing consumer rights, and charging for the privilege of what one is entitled to by law - in a fairly underhanded type of manner to boot.

L1011

https://www.boards.ie/discussion/comment/121078370#Comment_121078370

There is virtually not a single company in Ireland that doesn't try and circumvent consumer rights when it comes to manufacturing faults. Liability being with the retailer is not common across the world, but it is here and most firms don't plan for the costs.

Doodah7

https://www.boards.ie/discussion/comment/121078370#Comment_121078370

It is not underhanded. The staff are trained, at the point of purchase, to offer their own product insurance as it is practically pure additional profit for Currys. The customer is perfectly entitled to accept or refuse that offer. That people are stupid enough to accept the offer is their own lookout.

https://www.boards.ie/discussion/comment/121083915#Comment_121083915

Do you think based on their setup, I should not be obliged to inform them that I have cancelled my payments for their personalized insurance, whilst still availing of their cover?

I mean, they didn't feel obliged to inform me I'd be intitled to repair under consumer law.

Does this make it even-stephens for me to not inform them I'm not paying for insurance that I'm benefiting from?