refundable.me

Misleading and unregulated “Refund Protection” — Avoid Refundable.me

Bought their so-called “refund protection” for tickets to Westonbirt Arboretum. My daughter couldn’t attend due to flu, and they refused the refund because she didn’t have a doctor’s note. That’s unreasonable: NHS guidance is not to visit your GP with flu (and private notes cost money).The product is marketed as a fair refund guarantee, but the small print makes genuine refunds almost impossible. It looks and feels like an unregulated insurance product — and there’s an official FCA warning notice about Refundable Ltd, the company behind this setup, stating it may be providing financial services without authorisation.Refundable.me’s own privacy policy shows they are part of or administered by Protect Group, a UK company that runs similar “refund protection” schemes for events and travel. Protect Group claim they’re “not an insurance company,” but the service behaves like one in that you pay a premium and then make a claim — just without regulation or proper consumer safeguards.After we escalated the complaint and threatened to report them to the FCA for selling an unregulated insurance-style product, they suddenly reversed their decision and refunded us — at 8:30pm on a Sunday night! That says it all.If you’ve been refused, don’t give up — mention the FCA and mis-selling, and it appears they’ll back down. Forestry England and other venues should drop this company immediately — it’s misleading, unfair, and risks damaging their reputation. I have also written to Forestry England to highlight that they are sessentially introducing an unregulated insurance sale so ths could massivly damage their reputation. Avoid Refundable.me / Protect Group and only buy tickets with clear refundable or non-refundable options from a properly regulated provider.

Date of experience: Nov 09, 2025