My ex, who is a pensioner, (BrightHouse perfect target,) has been paying both insurance & the maintenance thing.
She was of course told that the things she bought would not be repaired if they broke. It was not until I pointed out that she was RENTING the items until they were paid for, they were obliged to repair or replace with an equivalent item before the rental term expired that she understood what I was talking about.
Then of course there's the LPC. I reckon there's at least £1,500 in it.
She is reluctant because she thinks she can't win.
To be honest, I think it needs someone to NOT accept settlement so this really gets into the public domain.
All the cases so far have been settled out of court, no doubt with confidentiality clauses built in.
EDIT:
She has kept ALL receipts.