On 18JUL12, I agreed by telephone to purchase an automotive repair service contract with National Protection Services on my 2010 Toyota with the understanding that I could cancel it within 30 days. They debited my account on 20JUL12 for $300.
On 7Aug12 I decided that I did not wish to continue the agreement and telephoned the company. At that time I talked with "Al" who instead of cancelling the contract as I ask began to question why I didn't want the contract and whether I had made arrangements with someone else to take care of my car, and if so, who was it and why. After approximately 20 minutes of repeating that I did not wish the contract and what I planned to do with the car was none of his business he finally stated that he would cancel the agreement but it would take 30 days to get my money back. I advised him that it only took 2 days to debit the money and would I be getting interest on the additional thirty days tehy were holding it. He did not respond.
On 9AUG12, at approximately 900AM, I received a call from a woman from National Protection Service again requesting why I was cancelling the agreement. I told her I didn't want to continue the agreement. She wanted to know why I took out the agreement if I was only going to cancel now. She went on and on about the cost of repairs, etc. And finally offered me a Senior discount of $200 on the total cost of the agreement. I reinterated that I did not wish to continue the agreement. She finally told me that she would cancel the agreement (apparently Al never did) and told me that I wouldn't get my refund for 30 days. She then added in a sarcastic tone "good luck" and abruptly hung up on me.
I should have known from the strongarm "verbal" tactics that they use over the telephone to sell the product that this would not be a pleasant association at best, however, I really didn't expect to be berated for my decision nor expect them to arbritarily hold on to my funds until it was convenient for them to return them.in other words, if they can debit an account in two days, why does it take thirty days to return? Also, I did not expect them to be obnoxious. I am only thankful that I didn't have to deal with their claims department, if this is any indication of their "customer service".
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