Service Protection Direct

After receiving a few postcards in the mail that at first glance look like they came from the car dealership, I finally decided to look at the fine print to see just where this extended warranty offer was coming from. Of course, that was the first red flag was that I had to look at the small print just to find the name of the company. No logo or anything like that. Just a phone number to call and get sucked in on. Thankfully I checked out my suspicions by looking up reviews on Unilocal and other links. Wow! I definitely think I will pass! How do these vultures get our info anyway?

They make you feel uncomfortable. because they are very pushy, they do not take No for a answer and very rude on trying to talk you into getting this service protection. My husband didn’t want to because of that and I talked him into getting the protection. Having warranty is always good. Really he just called the number on the flyer sent to our house to find out about it. Never told us much. just selling it. Once purchased. I waited to get the information about this business to know more. was told we can cancel within 30 days with a refund. Which we had decided on to cancel. Husband called and told Shawn (888−312−1149 extention 7019) he was calling to cancel on the phone for like 20 to 25 minutes. Husband had to constantly tell the guy I’m ready to cancel. The guy kept talking and then told my husband if you want there is my direct number call me if you have any questions. So My husband goes wait. did you cancel this for me and he goes, ohh. no, I thought you wanted to think about it. Which he kept telling this guy he wants to cancel and he is certaint he’s ready to cancel. The guy then. sometime in their conversation asked him why did my husband sign up with them and it costs the $ 83 or eighty something dollars to send out the information! Which we did not need that information. Then kept telling my husband that the stuff they sent was their gift to us for signing up and you don’t have to send it back. Basically wanted us to send what ever they sent us back to them but my husband was more worried about if the guy was going to cancel it. They guy never said confirmed the cancelation or if or when we would get our money back. So my husband asked him is it canceled already? And Shawn goes. «well. thats what you wanted. That’s what you called for??» Not a professional company! So I asked my husband to call back and ask when will we get our refund. he talked to a lady and was told it will be processed today 09.14.2015 the day we cancelled and takes 2 business days to receive our refund. Today is 09.18.2015, still no refund in my account. Husband called they said for some reason it was barely processed and we should have our money by the end of today. No money still.
When We signed up My money was taken the very second so why haven’t I received my money back yet. ?? After talking to this company from the start. not knowing what this company’s name was because it was unclear other than what it covers and how much would our payments be, we as me and my husband asked to give them a call back so «we» can talk about it and decide if that’s what we wanted to do and the guy on the phone wasn’t trying to hang up was ignoring everything that he and I was saying., he was so rude that my husband had to hang up on him. So it was my mistake for telling him let’s just go with it after they were really rude. Wish. and never again would go with this company or recommend it ever! Never jump into something, until you do your research and think about it. so you don’t go through this. 3 out of 5 people we spoke to was rude. Now I’m unsure if We are even getting our money back and if We have to cancel our debit card because they have that information.

Hello Unilocal users,
I wanted to share the information I searched about this company on
and
. As many of you did, I received their mail today (July 26, 2014) and something raised a big red flag on my mind as soon as I read their letter — no company logo, too many words in bold and italic. I became curious and googled the company’s address and found some nasty information that should impact your decision. I posted a snapshot of their letter for your reference.
* RELATED REPORTS
— Palm Beach County Consumer Affairs Division (latest dispute record on Feb 20 2014)
— Ripoff report#1:
— Ripoff report#2:
— Illinois Secretary of State records:
(TXEN PARTNERS, L.L.C. /​incorporated on Sep. 21, 2011 /​Name of Managers: JOHNSON, MARCY; HAYS, RONALD)
— Missouri Secretary of State records:
(On August 2, 2013, a judicial action was taken against «Service Protection Direct» due to its failure to renew a fictitious name registration.)

I had high hopes for this warranty insurance company, but they deeply disappointed me. I took their coverage on a car that had 97,000 miles on it, and bought 100,000 miles or 5 years of warranty coverage. They charged me over $ 2400 for the policy, and let me break that up over 24 payments. After 9 months of paying, I couldn’t redeem for any repairs though I tried several times, and finally cancelled the policy for a refund of the amount paid minus the time used. They did send me the refund in about 4 weeks, but kept the money for the used policy period.
Now the reason not to buy this warranty — it’s got too many exclusions that make it possible for this company to turn down ANY claim, even those for parts of the car they said were covered, like the engine, transmission, water pump, etc… You see, if you don’t do the maintenance that they require in the policy according to certain mileage levels they prescribe, and keep the documentation that you did it, they can use that to deny your claim. They want oil changes more frequently than most people would normally change the oil, plus other services. Same goes for transmission fluid changes.
If they find out about something wrong with the car, even if they don’t cover it, because they know about it and record it on your file, you are required to make that repair on your dime or else it voids the warranty. If something breaks on the car that is not covered and causes a covered piece to break also, then the covered piece is not covered also. They don’t cover anything caused by a gasket failure. Well, Heck, that is pretty much ANYTHING in the engine, right? Everything in the engine has a gasket on it, and that is usually the failure point when you first notice something is wrong with the car, a leaking fluid.
Also, they won’t do a repair on something that is beginning to fail, only if it has completely failed. If you are beginning to use alot of oil, or white smoke is coming out the tailpipe, most people would say that is a rings and piston repair job, right? But they won’t pay for it unless the engine has completely failed. But since they now know about the oil usage or white smoke, you are required to make the repair yourself on your own dime or it voids the warranty.
Pretty much the only way they will pay is if you do the maintenance according to their too frequent schedule, keep the documentaiton, and there is a sudden catastrophic failure of the engine or tranmission. How often does that happen? I’ve never heard of it before in 34 years of owning cars. Cars almost always give a heads-​up sign that something is going wrong, like leaking fuels, an unusual sound is made, handling is different than usual, acceleration is different, etc…
This company pretty much is setup to advertise, sell policies, have customer services lines to deny claims, and that’s it. That they give you refunds for unused policy time is their only saving grace, and probably the only reason they haven’t been shutdown yet by district attorney’s in various states. I don’t think you should buy this policy, as it really isn’t usable in any real way. That was my experience with them. Can’t recommend. Buy another car if yours starts having troubles. This warranty isn’t a viable option for you. You’ll waste your money.