Review Categories:
Mobile Phone Insurance
Customer Review Comments:
I purchased a phone from T-mobile in 2007 and was asked if I wanted insurance. I specifically said no and signed up for the phone only.
I never received any confirmation from Homecare Insurance LTD regarding this arrangement and its association with T-Mobile.
The Homecare Insurance LTD direct debit details are misleading, not referring in any way to T-Mobile or phone insurance. In the process of searching the web for Homecare Insurance LTD to find out how they are I found numerous blogs with people in my position not knowing who they were and why direct debits had been set up on their accounts showing this issue is not an isolated situation, this is endemic.
Homecare Insurance LTD was unable to produce any authorisation regarding this arrangement or the original "signed" standing order. The response to my letter pointing out fraud was obstructive, unhelpful and refused to take responsibility for the lack of control around their financial processes.
I have had to take Homecare Insurance LTD to small claims to return my money.
Homecare Insurance LTD pays commission to sell its financial products at stores that have access to individual’s financial data obtained for an original legitimate relationship in place for mobile phones. The combination of the store level incentive and a complete lack of controls including a lack of any requirement for an authorisation from customers or confirmation encourages this fraudulent activity.
Homecare don't seem to mind as this obviously makes them a lot of money and not many people are like me willing to take them to small claims court, warn poeople on blogs or complaign to the FSA - I encourage anyone else in the same position to do the same.
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