Unauthorised charges on account

<p>Upon realising that I am not receiving my statements via post, I requested them electronically. Upon receiving it in September, I noticed that they are **********ly charging me for a funeral plan! A funeral plan I never gave authorisation or agreed to, i.e no agreement between myself and any of Edgars's representatives. </p> <p>I went to an Edgars branch and was advised "that's how it is" and if I want it cancelled I have to email them. Emailed them I did, and upon asking them for the signed contract between myself and Edgars, and my money back, I was merely told that I should have checked my statements and queried it within 30 days! A statement I had to check which I never received! So from December 2015 they have **********ly added funeral cover to my account! Isn't is wonderful how Edgars can just add services to your account without your concent and you end up paying penalties because you refuse to pay it!</p> <p>This is the response I received: </p> <p>"<em>According to our records you were receiving your monthly statements via email Customers are to ensure that the information reflected on their monthly statements is factual and correct and if the information does not correspond with the actions of our customers, a 30 day window period is granted so that changes and disputes may be corrected and resolved. No dispute was raised within 30 days from the enrolment of the financial product therefore no reversal will be processed."</em></p> <p> </p> <p>NO DISPUTE RAISED???? What have I been doing for the last comple of months since receiving my statement electronically!?</p> <p> </p> <p>In a further email I was told: " <em>In response to your email received,unfortunately it is customers responsibility to make sure that statements are received monthly as already explained below. </em></p> <p><em>Should you have any further enquiries please do not hesitate to contact us via the below mentioned contact details."</em></p> <p> </p> <p>The same tune is sung in all their emails when I requested my money back! It's is the clients responsibility. What gives them as Edgars the right to add products to my account without my consent? </p> <p> </p> <p>What if I passed away during this time - who would have been the beneficiary to my funeral plan? How would they inform my next of kin???</p>