Safeguard Auto Direct Reviews (%countItem)
Safeguard Auto Direct Rating
Address: 1600 Heritage Lndg Ste 109, Saint Peters, Missouri, United States, 63303-8490
Phone: |
Show more...
|
Add contact information for Safeguard Auto Direct
Add new contacts
ADVERTISEMENT
I called Safeguard Auto this morning to cancel my policy since I no longer owned the car that was being covered. ***, the representative I talked to, proceeded to ask why I wanted to cancel and I told him I did not need the warranty anymore, he asked why, I told him I didn't own the car anymore. He said the warranty could be transferred over to a new car and I said I didn't want to do that. He asked why, and I told him I no longer need the coverage. He kept ignoring me and trying to get me to keep the warranty. He also told me that I needed to send him the bill of sale to "prove" that I no longer owned this car and that's how it would be cancelled.
Per the vehicle service booklet, which was mailed to *** residence at the time of purchase, a written request of cancellation is required. A copy of the booklet is attached and cancellation procedures can be found on page 11 under the section titled "Cancellation of Your Agreement". *** policy will remain active until either the required written request of cancellation is received or the policy cancels for non-payment, which it is scheduled to do on December 30, 2018, whichever occurs first. For any further questions *** may contact the Customer Support Department at ***.
For the past 2 weeks, I have been trying to cancel my policy with this company. When speaking to a supervisor about cancelling my policy, I was very rudely spoken to. They would not allow me to cancel my policy and kept questioning me for cancelling. They said that I would need to provide a reason for cancelling, and I provided them plenty. After giving him these reasons, they told me they could alter my payment date and trying to get me to keep my policy. I told them I could not pay for this policy anymore and I did not want anything else besides to cancel. After finally getting this supervisor to understand I want to cancel, he rudely told me he would and hung up on me. The next day, I received an email from the third party billing company associated with this company and the email stated that they did not cancel my policy, but just adjusted my payment schedule. I specifically told the supervisor I did not want this and I just wanted to cancel. He lied to me and did what he wanted. When I call to try to get this fixed and to get my policy actually cancelled, I am unable to get through to them via phone. It seems like this company has now blocked my number. I spoke to the third party billing company called Paylink, and they flagged my account knowing that I have cancelled my policy.
verbal request for cancellation has been received. The first step of the process has also been completed which is to stop any automatic recurring monthly installments still due on the policy. The next step in the process is *** decision, she may either follow the required procedure outlined in the vehicle service booklet, which was sent to *** residence at the time of purchase (a copy is also attached) or she may allow the policy to cancel for non-payment on it's own. For any further questions, *** may contact our Customer Support Department at ***.
I have taken Auto care policy from SAFEGUARD AUTO - which is 5 Year and 1 Lack Mileage with PRO RATED , POLICY cost is around $2950 , with 24 Months installments
As I have taken another Policy from other company, Already we have sent Cancellation letter, and I am trying to reach customer service and I have been kept on Waiting 30 minutes every time and almost 10 - 15 times I have called , and I am able to speak one of Customer Service member
He is Rejecting my request for Cancellation of Active policy *** from SAFE GUARD AND he is telling will not be getting any refund
more over my time is wasted and along with mental torturer , Appreciate your help in this regard
All contact *** has had with our Customer Support Department, including the most recent call on December 6, 2018, *** has advised he intended to continue with the coverage policy purchased through Safeguard Auto Direct. Therefore, ***'s policy remains active and no refund is due.
Complaint: ***
I am rejecting this response because:
I am not a mad person to complain if I wish to continue, with this statement it self we can conclude they are trying to skip refund
As they mention yes I have called nearly 10 - 15 times and each time my call was in waiting minum 30 minutes and after connecting they are literally saying they are not canceling.... I have tried all possible ways to cancel but I couldn’t hence I have reached here to complain
can you please help me to get my refund as well as compensation for my wait time and my wasted time
Sincerely
Safeguard Auto Direct engages illegal telemarketers who call using fake Caller ID to numbers on the Federal Do Not Call List. The company representative I was transferred to by the illegal telemarketer refused to give me Safeguard Auto's address or give me the opportunity to be placed on their own do not call list. Instead she hung up on me after falsely claiming that since I responded to the call nothing illegal was done.
The phone call was received at 10:51am Arizona time from ***, that number is fake. The company making the calls falsely claim, without basis, that your factory warranty is expiring and this is your last chance to renew coverage. All this is fake, they have no idea what vehicle you own or operate. They are really collecting names, zip code and a vehicle model, year and mileage and then transferring the call to Safeguard Auto. Safeguard Auto is complicit in these calls. On transfer I spoke with *** and she refused to discuss the illegal nature of their telemarketing or provide the company contact information instead attempting to intimidate me by asserting that all calls are recorded, something that is also likely false as no such disclaimer was provided prior to her trying to intimidate me. Safeguard Auto is making illegal telemarketing calls and engaging in deceptive advertising.
phone number has been added to our Do Not Call list therefore, no further contact will be made by our company. We would also like to advise *** that there are hundreds of similar companies across the country and while she will not receive any further contact from us, we cannot stop attempts at contact from other companies.
We had a policy with this company and cancelled the policy on July 30, 2018. I was expecting a refund of $3810 from them as they had promised it. I called in November, speaking with ***, and she verified that the policy was cancelled, but she could not explain why the refund was not sent. She said that I would receive it within 14 days. I spoke with another person, ***, as *** is no longer with the company, he would not commit to a time frame for me to receive the refund.
I purchased a new Lexus 350 and about 18 months later I received a call saying the warranty was expiring and asking if I wanted to extend it for a price. I thought the person calling me was from the dealership where I bought the car and said I would. I paid them on my credit card $3,810. When the details of the policy arrived, it became clear that this was something totally different than I expected and was not Lexus. I cancelled the policy and asked for a refund. The policy was cancelled on 7/30/2018 and a refund was requested; no refund was ever received. I called 11/7/2018 and talked to ***, a supervisor, and checked into it with accounting; no refund had been ordered. She promised to order it and have it mailed to me by 11/21/2018. When it was not received, I called back on 11/29/2018 and spoke to ***, the Department Head, since *** was no longer with the Company. I was told she was fired because she lied to customers about their refunds. I could not get a commitment as to a time frame for the refund from ***; he said they were working on them and he didn’t have a date when it would be. Desired Resolution / Outcome Desired Resolution: Refund Desired Outcome: Issue the refund immediately. Complaint Background Not all of these questions are required. Please provide as much information as you have. 1. Product/Service Purchased: Warrenty 2. Model Number: 3. Contract, Account, or Policy #: *** 4. Order #: 5. Purchase Date: 5/8/2018 6. Date Problem First Occurred: 7/10/2018 Dates you complained to the company/organization
7. First Date: 7/11/2018 8. Second Date: 11/7/2018 9. Third Date: 11/29/2018 10. Payment Made: In Full 11. Payment Method: Credit Card Name of Sales Person
13. First Name: *** 15. Last Name: *** 17. Purchase Price: $3,810.00 18. Disputed Amount: $3,810.00
we apologize for the delay in the processing of *** pro-rated refund. Our Accounting Department has been made aware of the issue and *** will be called with a check number as soon as her refund has been processed.
Complaint: ***
I am rejecting this response because:The Company has made the same response for the last five months with no results. I suggest we give them one week to send the check and then demand immediate restitution.
Thank you for your help in this matter
Sincerely
I fell for this company’s phone auto warranty scam.
They call you and say they’re with the company you bought the car from (Mazda in my case) and tell you warranty has run out, you should renew it, you can always cancel just give us $100 down payment and we will get you started.
This company is known by Revdex.com to be a scam.
I tried to call them to cancel 3 days after down payment, the same scenario played out as the one described numerous times by other costumers on the Revdex.com page for Safeguard Direct Auto.
I have cancelled the debit card I used.
I plan to send them a formal lettter stating my desire to cancel the fraudulent contract immediately.
I am not seeking any reimbursement. I have only given them $100, they can keep it.
We apologize that *** feels he had an unsatisfactory experience with our company. Our Customer Support Department's job is to try to resolve any issues a customer may have when requesting cancellation of their policy. In *** case it seemed to be a budget issue. The representative assisting *** simply attempted to find options that might help the policy better fit his budget because if the policy was putting a burden on him a repair bill on his vehicle would be detrimental. *** policy was cancelled per his request and his refund will be processed within 30 business days of cancellation.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Sincerely
This is the worse extended warranty company. Im not sure how they still in business. I paid 5K for a warranty they sold me as FULL COVER. when I tried to use it for a repair that cost $800 they denied the claim. I proceeded to cancel the coverage and get my money back for the remainder of the warranty. They asked me to send a letter notarized explaining the reason of the cancelation. I sent the notarized letter "certified" cause I could already smell how fish this company is. They told me they will send my money back within sixty days. This was back in May 2018..... Im still waiting for my money and every time I call to ask they tell me: you are in the priority list and will receive your check soon....
STAY AWAY FROM THIS COMPANY
I received a letter from this company in September 2016 and they harssed me to buy their product. In 2018 I cancelled the plan, they told me I had to noterize the cancellation letter and wait for 60 business days. Now more than 70 business days passed, they told me to wait another several weeks, and they could not give me an estimated time when the refund would be mailed.
I will be relocated to other country, I just want my refund back. Everytime I called them, they kept giving me runaround.
We apologize about the delay in processing *** prorated refund. A check will be mailed to *** within 7-10 business days.
I submitted my complaint to this company on 9/16/2018 about the refunding problem. According to their reply, the refunding would be mailed within 10 days. Now more then 10 days passed. Nothing changes.
I want them to mail my refund as soon as possible
I was called by safe guard auto direct after I had gotten in an accident with my vehicle so it caught me off guard when they wanted to renew my supposedly expired warranty. I had no clue who these guys were (I assumed they were my warranty company because I had just gotten off the phone with them). They have taken $738.19 out of my checking account through 2 payments of $369.48 as of 8/9/18 and 9/10/18. I called them yesterday to cancel my contract (which I was told I can cancel anytime by the representative named ***) and they gave me the run around and kept asking me why I would want to cancel after I gave them multiple reasons. So I cancelled my debit card, filed an ACH stop payment claim, an FTC report, a Revdex.com scam report and now a complaint to hopefully get this resolved and have my most recent or all of my payments refunded. I had recently been in an accident and had just gotten off the phone
with my current warranty company about claims and repairs when Safeguard
Auto called and claimed that my warranty on my truck was about to
expire. I was caught totally off guard by this with everything that
happened and “bought” an extended warranty contract. About 2 months
later I realized they were a known group of scammers out of Missouri and
were attempting to take $369.42 out of my account for the second time
(the first instance of them taking this amount out was on August 9th
2018 for what I thought was my initial payment to them before they would
charge me the amount of $145 which the rep on the phone named ***
said I would be paying monthly) I called to cancel my contract before
the money was taken out and they gave me the complete run around. I
explained I would like to cancel my contract as I was told I can cancel
anytime and they ignored my request and instead kept trying to “lower
the payment” down to $145 to which I told them again I want to cancel
the contract. This went on for a few minutes until the representative
Mike told me to give him a reason that I wish to cancel my contract. I
informed him that over the course of 20 minutes and 3 calls I gave them
the same reason “I have no need for this contract and I want to cancel
it as of now” to which he refused to listen and tried to lower my
payment again. I informed him I am not legally obligated to give him a
reason for why I wish to cancel and he replied with “I’m only concerned
for your safety and that you might be getting ripped off by the other
guys warranty” I told him I was reporting this to the FTC (which I did),
canceling my debit card (which I did), file an ACH Stop Payment form
with my bank (which I did but will take a few days to be received and
put into effect) as well as file a Revdex.com complaint. They still took out
the $369.42 for a total of $738.84 over the past 2 months. I wish to
have this resolved in a timely manner and my money refunded (whatever
can be refunded at this point)
purchased a vehicle service policy through Safeguard Auto Direct on July 9, 2018, we apologize if there was any kind of misunderstanding regarding who we were but at no point in any conversation with *** did any of Safeguard Auto Direct's representatives claim to be affiliated with any previous policy *** had on his vehicle. At the time the policy was purchased *** gave authorization for 12 monthly installments of $269.42 to be deducted from his Visa for the purchase of the policy (voice recordings are available upon request). A vehicle service booklet outlining the terms and conditions of the policy, including the authorized monthly installments was sent to ***'s residence also at the time of purchase. *** contacted the Customer Support Department on September 11, 218 and requested the policy be cancelled, *** was provided with the required cancellation procedure , which is also outlined in the vehicle service booklet and was advised no further monthly installments would be deducted from his account. *** was advised if he did not follow the required cancellation procedure his policy would cancel for non-payment and no refund would be due. ***'s required written request of cancellation was not received and his policy cancelled for non-payment on September 20, 2018.
Complaint: ***
I am rejecting this response because:
I was never sent ANY cancellation form from the business and it has been a month since I requested a cancellation form. I know they have my address and know where to send it. I spoke to 3 different reps on 9/8/18, 9/9/18, 9/10/18, and 9/11/18 and not only was it almost as if I was talking to a wall (ignoring my numerous requests to cancel the ‘contract’ and repeatedly trying to lower the payments) but I was forced to file an FTC report and close out my debit card and file an ACH stop payment on them and paylink (which they are affiliated and handle all payments through) but I still had the ‘handbook’ (just a plastic card with absolutely no info on it) in my possession. They tried to take 369.42 out of my account not 269.42 and I am owed over 100 dollars for in return. My original ‘contract’ to which I agreed was only supposed to be roughly 145 a month. Not 269.42 and most certainly not 369.42. I have caught them in numerous lies and I am owed funds in return for false claims and for them breaking contract (if you can call it that).
Sincerely
First to address *** claim he was never sent a cancellation form, there is no cancellation form. *** was advised by our Customer Support Department, and in his vehicle service policy booklet, that to request cancellation the customer must provide a written request of cancellation including the reason for cancellation, the mileage on the vehicle at the time of cancellation and the date. No cancellation form exists. And to address *** claim to not have any information regarding the policy except for the ID card ("a plastic card with absolutely no information on it") is also incorrect. The ID card is mailed to each and every customer, to the address provided by the customer, at the time of purchase. The ID card is attached to the inside cover of the vehicle service policy booklet. Therefore, if *** received the ID card he then also received the booklet and all information regarding the policy. Attached is a copy of the booklet that was included with his ID card. We would also like to apologize for the typo in the previous response. *** verbal agreed to 12 monthly installments of $369.41 at the time purchase, this information is also included in the vehicle service policy booklet. At no time did any representative of Safeguard Auto Direct lie or misrepresent any information to ***. In fact, *** advised Customer Support on September 11, 2018 that he no longer owned the vehicle covered by his policy, later the same day *** advised another Customer Support Representative that he did in fact still own the vehicle. If *** has any further questions regarding his policy and the cancellation there of he may contact the Customer Support Department at
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and not to continue this any longer because I’m done dealing with your shady business practices.
Sincerely
I purchased an Auto Warranty policy from Safe Guard Auto on June 9, 2016 for the amount of $4412.00. I followed my obligations of the contract that I signed, with my contract information being the following:
Contract Holder: ***
Seller: SAFE GUARD AUTO
Contract Number: *** Plan Miles: 75,000
Lienholder: *** INSTALLMENT AGREEMENT
After I had fully paid the amount due to the agreed contract amount, I cancelled my warranty service in February of 2018 and requested a pro-rated refund from Safe Guard. I requested the cancellation with a notorized odometer statement and a stated date in which I had requeseted the cancellation. Safe Guard agreed to my cancellation, and agreed to the pro rated refund that I had requested.
The agreed upon amount was about $2100, and the contract stipulated 60 business days was sufficient for Safe Guard to send me the agreed upon refund. 60 business days have come and gone, and I have kept in regular contact with Safe Guard asking when I would receive my refund. All I hear about is that the check will me sent "soon", that "accounting is backed up" and that my account is on the "prioritized" list for refund returns. This has been going on for months. I can never talk to anyone who can give me substantial answers as to why it has been so delayed, and I am always forwarded to a "supervisor" named *** who does not provide any sort of help, who will not forward me to someone in the company who has answers regarding their policies and mechanisms, and so I am left wondering as to whether IF and WHEN Safe Guard will adhere to the stipulations that they statein the contract they have drawn up. At this point, it is looking more to me like theft, as I do not believe Safe Guard has any inclination of returning my money to me.
We apologize for the delay in processing *** pro-rated refund. We have experienced an unforeseen delay and will get it processed as soon as we can
CONTRACT NO. *** Total amount due: $3107.00, 72 months.
This contract was entered into on September 8, 2016. On October 13, 2017, I wrote to *** of Safe Guard Auto, stating: "This is to notify you that I want to cancel my contract with Safe Guard Auto and receive a prorated refund" per the contract.
CANCELLATION BY PURCHASER:
Purchaser has the right to cancel the Contract at any time. Purchaser may cancel the Contract by consulting the Contract booklet for the specific steps required for cancellation. Upon receiving written notification of termination from the Seller confirming the contract cancellation, *** (payment plan provider) will immediately cancel this Agreement and no further payments will be due from Purchaser.
On 9/8/16, the date of purchase of the contract, I paid $2,000 as a down payment. In addition, I paid $576.30 over the next 13 months until 10/2017 . The contract was ended by letter on 10/13/07. Safe Guard made a mistake stating the contract would expire in 2022 and that it was 72 months long.
I spoke with Safe Guard, and an agent told me it would take about 60 days to receive the refund.
They did not know how much the refund would be. Since 11/7/17, I called Safe Guard 11 times asking for my refund. The answer was always the same "it is in process." I wrote 4 emails and one letter. My contacts were Kevin, the manager, whom I never spoke with, ***, Production Specialist, and James, agent.
I cannot upload a copy of the contract. It is too long. I will have to send it by separate ***.
We apologize for the delay in processing Ms. Cronin's pro-rated refund. We have experienced and unforeseen delay and will get it processed as soon as we can.
Complaint: ***
I am rejecting this response because: Nothing has changed. They are still saying they will provide the refund as soon as possible. It has been 9 months. How long does it take to write a check? I would like to have a date by which they will return the refund. You have received the same answer that I have received for 9 months.
Thank you for your help.
Sincerely
If I could rate Zero Stars, I'd rate them that.
This company was very pushy in trying to sell me a warranty insurance policy for my car. When double-checked that my current warranty was in effect for the next three years, I called these guys to decline their offer. But they were insistent and pushy. They would not accept that I did not want their product. The conversation got a little heated and then the guy just hung up on me...
In the meantime, they tried to charge my credit card, but fortunately the transaction was declined...Called my credit card company to decline any transactions with this company
Made a request to cancel my policy #*** and the representative refused to acknowledge my request and repeatedly harassed me with his unprofessional behavior. I repeatedly told him that I wanted to cancel my contract and his continued response was that he needed more information to “disposition” my file. After 30 minutes of the same discussion, I disconnected the call, realizing that he had no intention of proceeding with the cancellation. I have contacted Pay Pal and suspended payment and American Express.
Ms. policy was cancelled per her request and we do not report to any credit agencies so credit will not be affected. For any further questions our Customer Support Department can be reached at
This company claimed to be my current warranty provider. They scam people into signing up for their product and then make it impossible to get a refund or to cancel the contract.
Ms. purchased a vehicle service policy on May 10, 2018. On June 10, 2018 Safeguard Auto Direct received a written request of cancellation from Ms. that was missing some required information (notarized current mileage of the vehicle). Our Customer Support Department made several attempts at contacting Ms. regarding the missing information but the only response received was the call was answered and immediately disconnected. Ms. finally returned the attempts at contact on August 10, 2018 when she was advised the policy had cancelled for non-payment due to the required cancellation procedure not being followed properly. Safeguard Auto Direct would also like to clarify that at no point in any contact any of our representatives had with Ms. did we indicate or infer that we were associated with any previously purchased coverage Ms. already had. For any further questions our Customer Support Department can be reached at
I received a phone call last August (2017) from a solicitor wanting to sell me a car protection plan on a new car that I recently purchased. I did not need it but was confused at the time. When I received my next credit card statement I realized they had charged the entire 5-year contract. I called and attempted to cancel with no success. I contacted my credit card company which responded 22 December 2017 that they could not assist. On 6 March 2018, with the assistance of the local Seniors vs. Crime office, I conferenced called Safe Guard Auto (***) and was able to get my policy emailed to their office. I was assisted in completing the “Transfer Application/Cancellation” paper and sent it off. My request was received 20 March 2018. On 17 April 2018, Seniors vs Crime rep was told the policy was canceled effective 20 March 2017 and I would receive a refund for $2,569.10 in 60 “business days”. On 7 May 2018, Seniors vs Crime rep was told “start” date had moved to 12 April 2018 and he would be blocked from further calls. On 31 July 2018, Seniors vs Crime rep asked me to call and get an update since I had not received my refund check. I was told (*** on 1 August) they were 4 months behind on issuing checks. On 7 August 2018, Senior vs Crime rep and I made a call to Safe Guard (***) and were told they could not speak with me on a speaker phone with my rep (***) present. They failed to answer the simple question of when is my check being sent and blocked any response to us for over 15 minutes. We ended the call.
Submitted by:
***
*** Vs Crime
A Special Project of the Florida Attorney Generals Office
*** Phone: ***; Email: *** Web Site:
Ms.s policy was cancelled per her request once the complete and required written request of cancellation was received. Ms.s prorated refund due was processed to her account on August 6, 2018 and can take 1-7 business days to show on her account. Mr. did make several attempts at contacting our Customer Support Department on behalf of Ms. and was advised that due to privacy laws we could not provide him information regarding Ms.s account without either her written permission or her being on the line authorizing us to speak with him. For any further questions our Customer Support Department can be reached at
Complaint: ***
I am rejecting this response because: Mr. and I contacted *** by phone on 23 August 2018 to verify that a credit in the amount of $2,569.10 had been received from Safeguard Auto Direct. All current and past accounts were reviewed with *** and NO CREDIT HAS BEEN RECEIVED from Safeguard or any credits in that amount. They also lied in their response concerning our last phone conversation, conducted on 8/7/2018, when Mr. and I spoke to Safeguard Auto for approximately 18 minutes. They repeatedly refused to discuss any information with me concerning my refund in the presence of Mr., who was sitting next to me.
Submitted by:
***
Seniors versus Crime
A Special Project of the Florida Attorney General's Office
***
Sincerely
We, ***, spoke on the phone with Safeguard on 8/7, where I again insisted I wanted my refund and didn't want to talk to them. As of the end of August, per my *** statements, they have not issued me ANY credit or refund. Starting in March, they keep saying they will send my refund and they never send it, they said they'd send it by check before, they've given excuses, they've said they can't talk to me because someone else is in the room or on the line, they've told me they're months behind in processing checks. They always have an excuse. We have an ongoing complaint with the Missouri Attorney General's office as well. All I want is my refund of the agreed amount of $2569.10. Because anything is possible, if *** screwed up and didn't provide the credit, then show us proof that you submitted those funds to ***.
A prorated refund was sent to *** on September 19, 2018. For further details concerning the refund *** may contact Customer Support at
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Sincerely
great company coverage has saved us a few just this year alone from flat tires to needing sensor changed thank you
They sold me a contract saying I didn't have a warranty on my car. I found out I have a lifetime warranty already purchased with my vehicle, so I tried to call and cancel it and they won't cancel my policy. They keep trying to make me keep it and tell me I need it.
I finally talked to a supervisor and she told me they would take me off of auto pay and when I don't make a payment it will automatically cancel me. I just want them to cancel it and make sure it is cancelled. They also sent me an email after stating that "my policy MAY be placed on inactive status". That doesn't sound like it was cancelled.
Ms. contacted our Customer Support Department on June 20, 2018 and requested her policy be cancelled. Ms. was advised the automatic monthly installments would be stopped and her policy placed on statements to allow the policy to cancel for non-payment, which is is schedule to do on July 22, 2018. If Ms. does not wish to wait for the policy to cancel for non-payment she may also follow the cancellation procedures outlined in the vehicle service booklet. Customer Support can also provide these procedures, they can be reached at
I was never refunded my money after canceling my protection plan.
I cancelled my warranty due to a total loss. It began 12/19/17 and I was told I would receive payment in 60 business days. The 60th business day came and so forth now we are approaching 100 business days. I call every Wednesday to check the status the same representative answers the phone I get placed on hold and then she says the account is in it’s final stage of processing so you should be receiving that payment shortly. I don’t know if this place is a scam or if I will ever receive my payment. Can someone please give me a call to help me out ASAP.
Safe Guard Auto I called to cancel my policy I told Chris the representative that I could not afford it at this time to please cancel. He proceeded to ask me again why are you canceling. I said I can’t afford it right now. He kept badgering me over and over why did you purchase the policy and now you want to cancel. I ask to cancel he talk down on mechanics and how much they charger no ,but I just want to cancel the he asked why can’t you afford it I told him that is personal. He just kept on being rude with no compassion . This company is the worst company I have ever dealt with in my life they need to be sued and put out of business.