Hi all, my first post. I could use some advice please regarding a declined claim with my whatever happens policy. Here goes... Early in December I was out taking photographs along the coast. I was changing lenses on my Canon EOS 500D camera when I suddenly swayed, lost balance and fell backwards landing on my back. The part of coast that I was photographing is very rocky and made up of large boulders and sharp rocks. As I fell, the camera was thrown from my hands and both the lens and the camera body sustained very bad injuries! I had a light ruksack on my back which contained my iPad (in a genuine apple smart cover). The iPad took the brunt of my fall and saved me from some otherwise potentially nasty injuries. The screen was cracked and the back dented. Amazingly, it still worked... I immediately hobbled in to my nearest Curry's branch and spoke to a helpful attendant. In no time at all both items were sent off for repair under my 'whatever happens' policies. This was on the 5th December 2012. A few days later I received a phone call from Whatever Happens saying that the camera was beyond repair and that a voucher would be sent out to me but to allow a little extra time due to the Christmas post. I was well chuffed, excellent service. Well done Currys. About a week later I received a letter on the 16th from Knowhow regarding my iPad stating that the damage the engineer had found on the iPad exceeds what we would expect given the circumstances. The iPad was sent back to Currys unrepaired. I felt like I was being called a liar. I WAS FURIOUS. After a coffee to calm me and a moment to collect my thoughts I suddenly thought to myself and silently applauded how well the engineers have been trained at Whatever Happens. After all, how many other companies get their employees to throw themselves backwards on to a rock to find out what damage could be caused to an iPad? Naturally, I appealed against their findings and sent a very detailed letter of events ‘Recorded and guaranteed by 9am' via Royal Mail on the 17th December. In the meantime, I went back to Currys and purchased a new TV; an early Christmas present to myself. The TV was paid in full with a debit card. Less than a few days later I received a phone call from ‘Hugh Moir’ of H.M. Investigations (Knowhow’s third party investigators). I felt the call was a joke really and a complete waste of my time. Hugh asked what had happened to the iPad. I asked if he’d read my detailed letter to Knowhow, which he had, but that he wanted to hear it again…. He also asked about previous claims for the same iPad, which there was one (knocked off a table, screen smashed. Repaired under whatever happens). What he asked me next left me dumbstruck, I could not believe what I was hearing. He gingerly asked why I had spent my voucher for the replacement camera on a TV? Yes, you heard me correctly. Hugh Moir of H.M Investigations (according to his website westyorkshireprocessservers.com, a retired police officer of 30 years) acting on behalf of Knowhow asked me why I spent my voucher for the replacement camera on a TV. I went ballistic. I reminded him that I HAVN’T EVEN RECEIVED THE VOUCHER YET and then asked him why he hadn’t checked his facts out first. He was answerless and made an excuse that the system wouldn’t have that kind of information regarding the transaction. Clearly presumption is obviously the order of the day here…? The phone call came to an end and despite the above I felt it went favourably. I asked if there was a chance that he might submit his findings to ‘Gary Perryment’ as soon as possible as I was away on my annual holidays from 2nd January and it would be nice to have my iPad for that. Well, 2nd January came and went as did my holiday, iPadless. I expected to find a letter on my return on the 17th January, but no. Nothing. I phoned Knowhow on the 17th and was told that an email would be sent to Gary Perryment to find out what was happening. Four days passed without hearing anything so another phone call was made to Knowhow on Monday 21st January trying to chase this up. I was told this time that my appeal had been declined. No answer as to why could be given but that I would hear from ‘lady in the office’. I am dumbstruck, furious and gutted. I have read countless posts on this forum of similar stories. How is this company getting away with this? Can someone please kindly offer advice on what course of action to take. I am done with being Mr. Patient. I am more than happy to take them to court and willing to spend good money on a solicitor to do so. Thanks to all in advance.

I'm 14 months into my Work Programme referral and I'm wondering what happens afterwards. I'm pretty sure I remember being told that the referral was for 24 months (Ixion). I'm a 54 year old male and I've had lots of interviews and been diligent about going into their offices a couple of times a week, work diary properly typed out and verifiable. But now I'm nervous about what happens afterwards? Do I go on to a mandatory work scheme? Does anyone know? Any guidance greatly appreciated-

Hi, I graduated from university last May, when I was a student I got a 1600 pounds overdraft from the Natwest. I am now looking for a job and still can't find one. I know that I have a year to pay the overdraft so my question is: What is going to happen if I will not be able to pay it? will it become a debt that keeps increasing with no limit? can it get to very high amounts of money? what do you do in such a situation? can you ask the bank to pay small monthly installments? Thanks for your help, Jonathan

Just seeking some information regarding a court liability order that six of us have against our name dating to an unpaid council tax bill in 2005. A bailiffs has all of our names but at the moment is only trying to find me, (and not particularly successfully, so I'm not worried there) but I had heard that the time you want to start worrying is when the Bailiffs pass it back to the council and then the council take it on to the next step. Can this involve criminal charges being brought? Any advice gratefully received... L.

Hi, this is my first time here and have been looking on various sites for answers and cant seem to find any so I hope you dont mind me posting here! I had my medical yesterday (on a Sunday!!!!!!) but ATOS couldn't tell me what will happen next. The medical itself seemed to go OK, but as with everyone, you're left in the dark afterwards. Does anyone know how long it takes for the decision makers to decide on the results? I have been through cancer and am still suffering from the aftereffects of chemotherapy, but I suppose I'm lucky as I still have a job to go back to. The problem is that if I am turned down for ESA, I won't be able to claim JSA, as I would not be actively looking for work, as I already have a job. My occupational therapists have stated in writing that I cannot go back to work and I showed this to ATOS. I guess I'm really concerned about the benefits... if I dont get ESA or JSA, what do I get? If anyone could help, you would make my day and ease the strain of all this polaver!! xx

Hey there guys, this is my first every post so please bear with me. I've got whatever happens insurance and a few months ago my charger became defective. I had a charger replaced by them previously but my laptop still had to be sent of as they wanted to check the battery, I couldn't do without my laptop for another prolonged period so I bought one myself from an online retailer (not currys) Have I breached my contract in anyway by buying this?? Could they refuse a future repair because of it?

I have a tribunal in a weeks time. What happens if I fail it?

After being prompted by other threads in this forum to read my Whatever Happens contract, I just discovered that laptop batteries are not covered by the agreement, even if they fail completely and suddenly. What makes this relevant for me is that my laptop battery did fail completely and suddenly, i.e. it holds no charge whatsoever. Actually, this happened well within (I think) a year after I purchased it. However I use my laptop so much that I could not justify sending it for repair until now (I recently purchased a new Sleekbook making it feasible) and have been using it plugged into the mains at all times since then. I'm astonished that a laptop battery is not considered essential to fitness for purpose and that it is expected to be regularly replaced. Oddly enough, my local Curry's store does not sell replacements for my laptop battery requiring "regular replacement". It's even more amazing that Curry's did not offer to replace the battery given that they sold it to me! So, I cancelled the "Whatever Happens" agreement for this and another old laptop just now. Apparently it is Whatever Happens, so long as it is not one of the things on list of exclusions on the policy. To be fair to Curry's, I did once neglect to send a laptop in for repair under a current agreement because I had used it (legitimately) so much in the time since I bought it that I didn't feel the usage amounted to normal conditions of operation. For reasons I don't recall, this came up when speaking to a Whatever Happens Customer Support person and they insisted that I was entitled to have it repaired or replaced, which they then arranged. On the other hand, the defects were probably manufacturing defects that existed since I bought it and possibly covered under the SOGA. Also on the other hand, the laptop came back from repair with the keyboard incorrectly installed and some keys not functioning (I since repaired it myself as this only required knowledge of how to use a screwdriver and how to ground oneself). Thanks CAG for making me aware that these support agreements are not really "Whatever Happens", just "Some Things that Happen". From now on, I will no longer hold these agreements for longer than the battery is giving me good service.

Hi, Just over a year ago we bought an iPad 2 for my husband (I'd already got an iPad1). Earlier this year he tripped whilst walking down the steps and landed with his knee on the ipad, bending it and rendering it unusable. He rang the claims no. and was told it would be covered under accidental damage, and send it to the claims centre which he did. After two weeks he had heard nothing so rang the centre, only to be told that the claim was being denied due to the damage being excessive in relation to the reason for the damage. They returned the very bent iPad to us. We appealed, writing to the infamous Mr Perryment, who said he had investigated the claim and agreed that the damage was excessive, pointing us to the fine print which talks of non-accidental damage. I was particularly impressed by Mr Perryment's abilities, as we had the iPad during the entirety of his investigation. We sent a letter before action, which was responded to with the same reason - excessive damage in relation to reason for damage. We have not seen any evidence of tests/reports from Currys which explain what damage isn't excessive when a 16 stone man falls and lands on an ipad. So, we filed a claim and have now received a response which says that they intend to contest the claim and they require 28 days rather than 14 days to prepare the defence. Does anyone have any advice as to what we should do now?

I think that two different Debt collection bullies are chasing me for the same old debt. Lowells and First credit. Are they likely to know my date of birth?

My friend used my address to send his V Festival tickets and I was meant to sign for them, but instead my little brother answered the door to the courier and told him since it was under my mates name that he doesn't live at this address. What will happen to the package? How can I get it back? The Festival is next weekend :/

Hello I am in area PE4 - postcode but please can someone tell me if it is the local job centre who have ESA forms back or other office - thanks

Hi Just looking for a little help. Purchased Apple iMac in 2009. Took out Whatever Happens as Mac cost £1300. Took out Premium cover for £12.99 per month but after a query a few months later I was told no point paying £12.99 as policy states they have to fix in 7 days and told that as an Apple product it goes back to Apple if any issues so can't guarantee the 7 day rule so was refunded and took out the £9.99 policy and this fives them 21 days. after over 2 years of a perfect running Mac it starts to sound rather rough. Call Know How and they arrange to collect Saturday 16th June. The Mac is delivered back the 23rd June. after a very happy hubby plugs it in and starts it up OMG I thought a 747 was ready to take off from the living room. Called KnowHow back straight away and they say another collection has to be booked once again its picked up on Sunday 24th June and delivered back to us late on Sunday 1st July. Turned it on and seemed to be no problem. Hubby went into hospital 2nd July and as my daughter has a imac and I use a laptop and the 2 youngest share a laptop nobody touched the hubbys Mac. I went to use it on the Tuesday and it was turned off and no idea why so turned it back on. Daughter asks if she can use dads computer while he was in hospital but when she went to it, it was turned off again. Hubby comes home 4th July and its turned off again we call KnowHow and they talk us through some tests but to no avail and another collection is booked so Sunday 8th July off it goes again and its due back 15th July. What I need to know is how many days is that classed as being away? They say 21 days or 4th repair and they will replace. is Saturday to Saturday 7 or 8 days. May sound stupid but they say day 1 is the day they collect I assume Saturday 16th June is day 1 does that mean Saturday 23rd June is day 8 when we get it back? Am I making sense cause I'm confusing myself now. Any help would be great. Also since we took out the policy we are told the Apple computer now doesn't go back to Apple its repaired by 'Trained experts' at KnowHow. We were told that the reason the 1st fault wasn't fixed was because the so called 'Trained Expert' didn't connect something back together inside the computer.

Hi new to the forum but hoping someone can help me. Over the past few years I have bought a Acer Desk top and Dell Netbook fromPC World, both of which I have being paying for the Whatever Happens Club membership. 3 years for the Acer and 2 years for the Dell. A couple of months back I booked both in for the yearly MOT check / tune upthat is included in the membership. This is the first time I have done it and only did it to get something for my money. Big mistake I found, first time I have used the service at all and found nothing but problems. I collected my property the next day to find that both had cosmetic damage to the outer casing which had occurred whilst in store(clearly stacking equipment on top of each other as i could see with otherstuff in there). I complained about this as I collected my equipment to which the smug reply was as it is cosmetic damage it is not covered by the policy. To which I stated that even if I didn't have that cover I would expect this issue to be sorted as the damage was done as my property was left in their care. The result was an offer of a £20 voucher. I refused and requested to speak to a manager, who I was told was too busy to speak to me and when I said I could wait I was told this would be the case for the whole day. I was very annoyed that I was fobbed off by the duty manager however I left the store and rang the help line. I made a complaint about my issue and was promised a call back however this did not happen leaving me to return the call two weeks later. I was offered a £25 voucher and when I asked how that was possible for damaging both computers they said as the person who handled my first call had logged it as one inciden tit could only be dealt with as one incident. Despite me paying two premiums and damage to two items. I again turned this offer down planning to write to head office. My Computers however have been slow and unreliable making them virtually unusable. I vowed to resolve this issue when I wrote a letter, as I no longer trusted the service I would receive, however before I had the chance I was deployed to Afghanistan as I am in the Army. During this time my wife has lost a paid job on a online bingo site due to the computer issue making her unreliable,resulting in a loss of a minimum of £600 a month for the last three months but this would often rise due to overtime. My wife and I have also been left with a huge amount of stress over this time. As she could not resolve the issue as shewas not prepared to deal with the company due to the problems we had previously and the fact she is pregnant. I have spent three months over there where my few phone calls home have been stress and worry as my wife had lost her job and income she relied on. Where do I stand? I am totally unhappy and want something done about this, I have in my head that I deserve to be refunded for the computers that are now no longer used and the money I have been paying for a cover that was useless dueto incompetent Staff. Thoughts, opinions and advice appreciated guys.

Can anyone clear up a small but very annoying problem for me please. I had my printer replaced under the whatever happens policy and could not find my software disk when returning the broken printer so the software from the new printer was removed from the box to be returned with the broken printer. (i have no idea why they want software for a broken printer that is clearly no use to anybody else) I took the printer home, dowloaded software as instructed by currys, used it to print some airline tickets then put the printer back in the box as it is very seldom used. Three weeks later went to use the printer and it would not work on it's wireless setting i uninstalled and re installed the software twice as instructed by the store (via the Kodak website) and as it wouldnt work so i then returned it to the store. I was told if the printer was at fault it would be replaced but if it was a software issue i would be charged up to £10 for the engineer to check it out. Software problem it was and i was charged the full £10. The problem is that i was not supplied software for this particuler printer so i dont have a base to start at. Its all very well downloading software from websites but it has cost me £10 to get no further forward. I have emailed customer services and had a bog standard sorry we cant help you reply. I dont think this is very good customer service it does not make you want to go back and shop there again

Can anyone says what happens at a hearing to contest a parking ticket. Who is present and what form doe it take. Is it a pretty rigorous process with evidence presented that one would not know about - a bit like a proper court- How long does it last roughly? Just want to be prepared for all eventualities

Hi I'll try and keep it short. I'm currently in receipt of sickness (longterm) related Income Support and Housing Benefit. Anytime soon I'm expecting a lump-sum payment which will take me over the £16k savings criteria (I assume this is still the max limit) which means I'll no longer be entitled to receive these benefits. My query is what actually happens to my current claim? Fag packet maths say I'll be below the £16k in around 15 months time where I would be entitled to some benefits. I dont expect my health to improve during this time. Is it a case of starting afresh or will my existing claim be continued/re-opened?. It's something that scares the hell out of me and really wish I wasn't receiving this money. Thanks.

When you buy the cover, Is all the mumbo jumbo they staple to your receipt the complete T&C's ...? Could someone please point me to the FULL T&C's many thanks

Hey all, I recently (26/11/11) purchased a Samsung UE40D6100 LED 3D 40" TV from a Currys store in Stratford. I payed a little over £800 althogther and was happy with the service and the product. I was also talked into purchasing the Whatever Happens Premium Cover. Unfortunatly a month after the purchase, i noticed a dead pixel in a prominent position on the screen. It was taken away under the whatever happens 7 day policy to be fixed as was recommended by the helpline. Also no replacement television was given as stated in the literature. After 7 days with no television, it was return in the same condition (with a few added noticable scratches around the frame). Cellotaped to the back of the TV was a note stating that they couldnt find the error and a number to ring "0844 561 1234". After calling the number and speaking to someone who basically said they couldnt help me other than pass me from callfloor to callfloor, i was nowhere nearer to a resolution. I was also clearly guaranteed by the sales rep in Currys (Saidul) that the TV offered 2D to 3D conversion & Picture In Picture for a HMDI source. After discovering that the TV has none of these functions i felt like taking it back under the returns policy and getting the 42" LG Cinema 3D TV i was talked out of buying by Saidul, but ultimately i didnt take it back in time. I would really appreciate some advice on what route of action to take to get the problem sorted. I will visit the store i bought it from and try & discuss the matter with them when im next off work, alternatively someone recommended writing a letter to the CEO/Head Office. I also have all the recipts & policy documents if needed. Thank You Alex