We took out a credit card through my work (balance transfer for 12months 0%) we had to do it in DH name as he is main earner, when he phoned to activate the card and tell them details of transfer they sold him a identity protection policy. DH didnt really understand and agreed then mentioned it to me, no paperwork arrived so assumed it was cover included on the card. A month later we received a pack and a charge of £90 on the card. They apologised for delay in sending pack out and gave us an additonal 14 days cooling off period. DH phoned within that 14 days to cancel and we thought no more.
When we received next statement there was no refund so he phoned and was told the policy was not cancelled, they recancelled it and we had to wirte for a refund. They have now written to say they have no record of original conversation therefore they will not cancel policy and will not refund. We havent even activated the stupid thing so no use to us. Where do we stand on getting a refund as its their word against ours We cannot afford to lose £90 over this