I got a call from these guys and I was stupid enough not to end the call. I went through the details of the plan, just to see what it was, and they told me the offer was only for that day. They told me that, I could cancel the policy with in 30days with out any charge, absolutely. So, I thought I could cancel it if I didn't want it, and took the policy.
I was told, I had to pay $495 sth per year with a down payment of $345. After few days I see a charge of $200 on my credit card and called them up for details. They said I have to pay $2300 sth which is complete policy premium for 5years, in the first year itself, to a company called MEPCO finance, since they have made the payment already. This information wasn't told to me at all when I was taking the policy.
I wanted to cancel the policy with in 30days and called them up 5 days before the deadline of 30 day trial period. The customer support receives my call and transfers it to a lady called "Kotney" who handles cancellations. She never answers my call and it goes to her voice mail. I was doubtful about their cheap tactics to delay my cancellation, and told them I wouldn't pay any charge if they don't cancel it with in 30days. Then they clearly assure me that I wouldn't be charged at all since I called them before the last day of cancellation. (A tactic to make you think, it is OK to send in the cancellation form late) I called them 5-6 times and finally I got hold of Kotney after yelling at them, 5 days past the 30day period. She emails me the cancellation form and assures me that I wouldn't be charged a penny. She tells me that It would take 30 days to process the cancellation request. (Why would anybody need 30days for doing this?). I sent them a fax and an email of my signed cancellation request.
I was expecting a full refund from them, instead I see a charge for $200 again from MEPCO for the second time. I was pissed off and called them, and they told me that they never received my cancellation request, which is a complete lie, since I have an email proof of successful delivery of cancellation form. They tell me that my cancellation was not with in 30days and I will have to pay $435 in total, for nothing. This is a complete contradiction to what the customer service had earlier assured me. They tell me to do what ever I can, and they are not going to refund my money.
At this point I see my only option is to sue the company. Is there any lawyer who is interested in taking up this case? I have email proofs and call records to substantiate my claim. I filed a dispute with my credit card company Capital one, and I am not sure, whether they could resolve it.
Bottom line: Don't take the policy thinking that you could cancel it. They are not going to cancel it, though you want them to. Everything they tell over phone is a lie. If you have already taken the policy, cancel it ASAP. Try to have recorded proofs of your conversations with customer service, in case if you need them in future.
Ravi
Atlanta, Georgia
U.S.A.
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