SUMMARY:A complete waste of money, time and energy. Avoid like the plague. This company/product is nothing shy of a scam, designed to fatigue customers into giving up on pursuing a refund. The ‘complaints team’ you are responding to is AI (which the refund company is particularly secretive about). If you have already purchased the item and are struggling to claim a refund, best of luck and I’ve posted some potentially helpful information below. PROTECT GROUP LIMITEDUltimately, this is a complete scam. Sure, there are circumstances when you may get a refund with ease, but 99.9% of the time they will do their best to justify a lack of refund, whether it’s through secret T&Cs or fatiguing you until you give up. You can get separate, more reliable event insurance elsewhere to my knowledge, and I suspect that if you ever have an issue with other providers, you won’t be arguing with AI trying to resolve things. Just because something is written as a Term & Condition, it doesn’t mean it is binding, and you can certainly challenge the fairness of the term, something which Protect Group takes advantage of you not knowing. (How fair would it be to expect people to only get a refund when they were fortunate enough to have an in-person GP appointment on the day of/before the event, or to get a GP note if they fell ill on a Saturday when the event was on the Sunday?!).Shame on you, Protect Group, for outright deceptive and immoral practices. I really hope people realise how much of a sham, money-making scheme this is before they buy it, amd that one day your immoral and likely illegal practices are exposed. Event tickets aren’t cheap, and you are not only profiting from charging silly sums for ‘refunds’ but from also keeping the money from people you effectively harass into giving up on pursuing their refunds. CONSUMER RIGHTS (ENGLAND & WALES)If you are in England & Wales and you are (like I was) at the stage in which you are considering issuing legal proceedings against Protect Group Limited, some helpful information is listed below. Citizens Advice may also be able to assist you if you need support/guidance with anything if you cannot find free/cheap legal advice and require support.Company Info (at time of writing - October 2025)Company No: 10090344 Address: Suite 3, Indigo Blu, 14 Crown Point Road, Leeds, United Kingdom LS10 1ELLegislation of relevance:(It will ultimately depend on the circumstances of your claim but I found the following to be of help in my circumstances)- Consumer Rights Act 2015 - Part 2, s49 (Reasonable skill and care in providing services), s61-71 (regarding Unfair Terms), Schedule 2 (further consideration of unfair terms)- Competition & Markets Authority Guidance on Unfair Commercial Practice (published 4 April 2025, available by googling). - Limitation Act 1980 (time limits in bringing a claim)I hope you are all successful in your challenges
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