In January I purchased a brand new Honda Civic, and as opposed to purchasing an extended warranty (vehicle service contract) from the dealer, I chose to purchase one from Warranty Direct in May because I was quoted a purchase price of approximately half the cost of a vehicle service contract purchased from the dealership, and the coverage appeared to be substantially better than the coverage being offered by the dealership.
I was required to put a down a deposit of $150.00 via my American Express card, the remaining balance would be charged to my American Express card in monthly installments. This was yet another feature of Warranty Direct that I found favorable, as opposed to paying the entire sum up front for an extended warranty via the car dealership.
While on vacation in early September my wallet was stolen and my American Express card subsequently cancelled. Unknown to me was the fact that Warranty Direct sent a letter to my home dated 9/5 advising that they could not charge my card for the September payment on my vehicle service contract, and that I had ten days (until 9/15) to provide a new credit card to them.
I did not return home from vacation until 9/16 and promptly contacted Warranty Direct to provide them with a new credit card. Their representative advised me that it was "too late" and that my contract was cancelled. I then inquired what I needed to do to receive a refund of the $360.00 I had paid to date. I was told to send a letter to their cancellation department, which I did, yet to this day I have NOT received a refund of my money - It has been ALMOST ONE YEAR!
I have sent MULTIPLE letters via fax, and the U.S. Mail (First Class Mail AND Certified/Return Receipt Mail) and STILL NO RESPONSE from Warranty Direct! They are VERY quick to sell you on their product, however, if a problem beyond your control occurs such as a stolen credit card on vacation, they have a TOUGH LUCK attitude! Warranty direct's customer service sucks! They claim to be Better Business Bureau affiliated, and I have filed complaints with the BBB to NO AVAIL!
AVOID WARRANTY DIRECT AT ALL COSTS! You will be better off obtaining your extended warranty (vehicle service contract) through the car dealership. All I want is a refund of my money that they effectively STOLE from me! When Warranty Direct chose to cancel the product I agreed to buy, and tried to make a good faith effort to continue paying for, the had the obligation to promptly return my money to me They still have my money yet I DO NOT have a product for the exchange of that money!
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