Unauthorised Products Activated Without Consent – TFG

I am lodging a formal complaint regarding a TFG Device Insurance policy that was activated without my knowledge or consent, and for which I am demanding a full refund of all premiums paid.

Policy Details (As Supp**** by TFG)

Device: Huawei Y7 Year Purchased: 2018 Policy Effective Date: 20 April 2026 Monthly Premium: R75.50 Cover Limit: R2,999.00 Policyholder Name: Margaret Mngomezulu

Basis of Complaint

I did NOT activate this insurance At no point did I request, agree to, or authorise the activation of TFG Device Insurance—either verbally or in writing. I was never informed that insurance had been added to my account in 2018 or at any time thereafter. No consent, no mandate, no disclosure I was never provided with: An insurance quotation A policy explanation Terms and conditions at the time of activation A consent form or recorded confirmation This is a direct breach of fair disclosure and consent requirements under the Consumer Protection Act.

Policy documents do not justify activation The policy schedule recently sent to me does not prove that I agreed to this insurance. Simply issuing documents after the fact does not constitute consent. Long‑term unauthorized deductions I have been charged premiums for a policy I did not knowingly activate. These charges are therefore unauthorized, irregular, and ********.

What I Am Demanding

I hereby formally request:

Immediate cancellation of the TFG Device Insurance policy A full refund of all premiums paid since the policy was first activated Written proof of consent (voice recording or signed mandate) If no such proof exists, the refund must be processed in full Written confirmation that no additional insurance or value‑added services will be added to my account without my explicit consent going forward

Should this matter not be resolved within 7 working days, I will escalate it to:

The Ombudsman for Short‑Term Insurance The National Consumer Commission Relevant consumer advocacy platforms (including HelloPeter)

I expect this matter to be treated with urgency and resolved in line with consumer protection legislation.