BE AWARE - NEVER GIVE ANY INFORMATION TELEPHONICALLY

<p>My Husband went on to the Hippo website to compare quotes for Bulding insurance. The next day I received a call and spoke to at least 4 different agents from different Insurances which all fall under the same umbrella. </p> <p>AlI the agents explained the premiums and how the cover works in a nutshell. I agreed that Budget was the lowest but had to compare the content of the entire package with what I had with my current insurer.</p> <p><br />I then requested an email of the terms and conditions of the Bulding Insurance. She then requested and confirmed some basic information to capture on the system to be able to send me the Quote and Information I requested. </p> <p>She then started to confirm banking details and when I would like Debit orders to go off. I asked her why she need this information now, as I agreed that their premium is lower than my current insurer but I still have to compare if Budget covers the same. </p> <p>I made it also CLEAR to her that I can’t just jump immediately to another insurer as I have to give my current insurer 1 month notice. I explained to her that my building insurance is paid for the year, as it goes off my bond and and if I change there is a procedure to cancel so they can refund me. She put my mind at ease as its just a procedure and that everything will be in place when I confirm that I would go ahead with the insurance. (This all happened in Mid May 2016)</p> <p>Well I never heard from Budget again and NEVER received any email regarding the Quote or Information I requested.</p> <p> </p> <p>Huge suprise on 16th AUGUST</p> <p>I discovered on my bank account the following amounts went off<br />10 Jun - R330<br />10 Jun - R851,36<br />9 Jul -R1208,56<br />10 Aug 1208,56</p> <p><br />KEEP IN MIND I still have not received any information on what is Covered, Term and Conditions or even a Policy Number. TILL TODAY NOTHING!</p> <p><br />With my Bank statement under TRANSACTION DESCRIPTION I could figure out it was a Debit order from Budget - DIRECT DEBIT BUDGET/ISS ********** 26 AUG PRE</p> <p><br />I went on the Website to find a number to call.</p> <p><br />16 AUGUST - Call and spoke to a lady an explained her the situation. She assist and helped to cancel the Insurance immediately. That was the easy part! <br />I thought she understood that this money was not suppose to go off my account in the first place as I did not take the insurance out and as I still have not receive anything from BUDGET and I did not gave them a go ahead!<br />Patiently I ask her what is the procedure to claim the money back.<br />Her Request of documents:<br />- Send and email requesting a refund with reason<br />- Please send proof that the money was debit from your account<br />- Proof that you are insured with another insurer</p> <p><br />16 AUGUST Tuesday - Email Send with everything required<br />23 AUGUST Tuesday - I called again as I heard NOTHING from BUDGET. Respond: Please wait 12 working days as they first have to listen to the recordings to see if I did not agreed on Insurance.<br />31 AUGUST Wednesday - I called again as I heard NOTHING from BUDGET. Spoke to at least 3 people. Last Gentleman went through recorded conversations and confirmed that the policy is cancelled.<br />Confirmed that they did receive my documents. So my Question was, so when is Budget planning to Refund me as it was no problem to do a Debit Order but takes forever to do a Refund? <br />I complained that I continuously have to get back to BUDGET to follow up and NEVER receive any call or assistance regards this situation. He rep**** that they listened at the telephone recordings in May and that I agreed on the policy and gave my banking details.<br />Therefor they decided not to refund. I Explained him I know for a fact that I agreed that the premium is lower but did not take out the Insurance on the day and did explained the first consultant in May that I first have to cancel with my current insurer and would like to receive all the documents first. I NEVER RECIEVED ANYTHING TO COMPARE WITH!</p> <p>I also questioned him if Budget would ever get back to me telling me the decisions they made? He then offers me DUAL REFUND! He told me then its the best he can do. I made it very clear that I do not agree that its CORRECT or that I am HAPPY with it but at this stage it’s better to recover half the money and I will fight for the rest! So he explained me the procedure. I need to email them AGAIN the exact same documents requesting for a DUAL REFUND. I REQUESTED a copy of the Telephone conversation in MAY - Still have not received it!</p> <p><br />31 AUGUST Wednesday - Email Send with everything required</p> <p>17 OCTOBER - Monday - I called again as I heard NOTHING from BUDGET. I Prepared the Consultant that if I go off and loose my temper, he must not take it personal but I HAD ENOUGH! Amazingly he stayed calmed and told me he could to believe that BUDGET never came back to me once and understood my frustration that nothing has been done. He promised to see a Manager and sort it out!</p> <p><br />19 OCTOBER - Received this sms from BUDGET: "Kind Regards, Budget Insurance” (I SAY NO MORE!)</p> <p><br />27 OCTOBER - STILL NO ANSWER, NO PAYOUT, NO EMAIL, NO CALL, NO POST only 1 meaningless SMS</p> <p><br />I can just imagine the drama when your actual clients have to claim, It can only be hell!</p>