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Do you have DirecTV "insurance"? No, you don't!!

1315 Views 11 Replies 6 Participants Last post by  ghardenb
I called and cancelled directv yesterday, having switched to local cable.

I was informed that, by having placed a claim under their "insurance" for a new DVR when mine died last June, I had automatically agreed to a new two-year commitment to my DTV service and that it will cost me $225. to cancel service now.

Apparently I have been penalized for having utilized the "insurance" for which I had been paying monthly. According to the nice lady, this is as it should be since, she's pretty sure, this is covered in the customer service agreement. You know, the one we all studied and committed to memory when we signed up.

So now I will sell my DVR to offset the $225. commitment buy-out, which will work about the same as if I had simply gone out and bought another DVR, insurance premiums notwithstanding. As many times as I run the numbers on this deal, I can't make it sound equitable.

I want as many people as possible to know about this. To me it represents the worst in corporate sleaze.
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I don't think that is "normally" the case.
I think someone screwed up when they processed your replacement system, at the time of activation.

Call back and talk to a retention rep, or higher level customer service rep.
ghardenb said:
You know, the one we all studied and committed to memory when we signed up.
Am I really the only one who read that? Seriously, people, when you are given a contract to sign you should read it. It's not that long and it's normally in english. I can't stand it when people complain because they had to sign a contract and didn't take time to read it.

You think the DirecTV agreement is bad? read your credit card agreement. And yes, I read that too.
noneroy said:
Am I really the only one who read that? Seriously, people, when you are given a contract to sign you should read it. It's not that long and it's normally in english. I can't stand it when people complain because they had to sign a contract and didn't take time to read it.

You think the DirecTV agreement is bad? read your credit card agreement. And yes, I read that too.
I agree with you noneroy,

I have the "Protection Plan" and never have had a problem with commitment renewals on replacement receivers...those receivers come without commitment renewals..that's one of the perks of having the insurance...are you sure you didn't activate a DVR or HD receiver during this time? Did you ever order a replacement before you had the plan?? Are you shocked about a commitment that you legally agreed to when you activated your D* account??
noneroy said:
Am I really the only one who read that? Seriously, people, when you are given a contract to sign you should read it. It's not that long and it's normally in english. I can't stand it when people complain because they had to sign a contract and didn't take time to read it.

You think the DirecTV agreement is bad? read your credit card agreement. And yes, I read that too.
I can't argue with that. However, this was (and is) not part of their customer agreement nor of the terms of their protection plan. They claim to have sent me a letter informing me of the 2-year obligation at the time they replaced my DVR.

I can assure you that I DO read my mail, particularly when it comes from corporate bullies who have authorization to charge my credit card.

If I HAD received this information, we would not be having this conversation!
ghardenb said:
I called and cancelled directv yesterday, having switched to local cable.

I was informed that, by having placed a claim under their "insurance" for a new DVR when mine died last June, I had automatically agreed to a new two-year commitment to my DTV service and that it will cost me $225. to cancel service now.

Apparently I have been penalized for having utilized the "insurance" for which I had been paying monthly. According to the nice lady, this is as it should be since, she's pretty sure, this is covered in the customer service agreement. You know, the one we all studied and committed to memory when we signed up.

So now I will sell my DVR to offset the $225. commitment buy-out, which will work about the same as if I had simply gone out and bought another DVR, insurance premiums notwithstanding. As many times as I run the numbers on this deal, I can't make it sound equitable.

I want as many people as possible to know about this. To me it represents the worst in corporate sleaze.
The insurance covers the equipment so you don't have to pay for it out of pocket. If you didn't have it, you'd pony up hundreds to replace the reciever. All new receivers come with the dreaded commitment.
untouchable said:
I agree with you noneroy,

I have the "Protection Plan" and never have had a problem with commitment renewals on replacement receivers...those receivers come without commitment renewals..that's one of the perks of having the insurance...are you sure you didn't activate a DVR or HD receiver during this time? Did you ever order a replacement before you had the plan?? Are you shocked about a commitment that you legally agreed to when you activated your D* account??
The answer to each of your questions is "no". As I said in my response to I gather from your response and others that people are unaware of the penalty involved in "using" their protection plan. The perk of which you speak does not exist.

I don't know how anyone could think it reasonable that the cost of a "claim" is your old unit plus two years of service.
Proc said:
The insurance covers the equipment so you don't have to pay for it out of pocket. If you didn't have it, you'd pony up hundreds to replace the reciever. All new receivers come with the dreaded commitment.
I don't buy that arithmetic. The cost of two years of service plus the value of my old DVR would far exceed the cost of an HR10-250.
ghardenb said:
The perk of which you speak does not exist.

I don't know how anyone could think it reasonable that the cost of a "claim" is your old unit plus two years of service.
Okay, I just had to use my Protection Plan 2 months ago to replace my R15 and another standard receiver after some surge related damage caused them to die and I didn't get a commitment...I even called them after seeing this post to make sure...I would definitely talk to someone else and see what you can find out. Unless you've done an upgrade of any kind in the last few months, or had advanced equipment replaced before getting the insurance, then there should not be any kind of commitment.
untouchable said:
Okay, I just had to use my Protection Plan 2 months ago to replace my R15 and another standard receiver after some surge related damage caused them to die and I didn't get a commitment...I even called them after seeing this post to make sure...I would definitely talk to someone else and see what you can find out. Unless you've done an upgrade of any kind in the last few months, or had advanced equipment replaced before getting the insurance, then there should not be any kind of commitment.
Today I went up a level to a "retention" person and was told that, yes, I was committed to 2 years by virtue of a letter she says they sent me at the time of the replacement. I then wrote to "billing disputes" in Colorado telling them that I never received that information.

I haven't given up by any means.
ghardenb said:
I was informed that, by having placed a claim under their "insurance" for a new DVR when mine died last June, I had automatically agreed to a new two-year commitment to my DTV service and that it will cost me $225. to cancel service now.
Just out of curiosity, which model DVR died, and which model did you receive as a replacement? Were they identical models or "equivalently equipped" models, or was the replacement a step up?
JLucPicard said:
Just out of curiosity, which model DVR died, and which model did you receive as a replacement? Were they identical models or "equivalently equipped" models, or was the replacement a step up?
It was the HR10-250, even swap.
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