My “protection plan” didn’t protect my move — now what?

The devil is in these details. / Photo by Feathered Tar – Flick
Question: I recently signed up with DirecTV. After the installer had finished setting up the equipment, he asked if I’d like to sign up for DirecTV’s equipment and wiring protection package. He told me that it included service calls.

This piqued my interest, because I thought I might be moving in a few months, and so I asked him whether this covered moves. He said that it did — one move per year. This seemed like a good deal to me, so I asked him to sign me up.

I know you should get things in writing, but I trusted him, and I really don’t think you should have to have everybody you ever talk to at every business write down everything they say.

So I moved, and sure enough, when I called DirecTV’s customer service department to get my installation done, they told me that, no, the additional fee I’d been paying every month did not cover this, and yes, it would be just under $220 to have my service reconnected. And besides, I was told, the installer had no business telling me that because “he’s not even with this department.”

Honestly, I don’t care which department you’re with or how your business is structured. When a representative of a business tells me something, it should be reliable and the business should honor it. I escalated this up the chain as far as I could go with the special department they have just for people who’ve moved, and the way it was left was that I could either pay the fee or pay $360 to cancel the service. My choice.

I get that a service call costs the business money. I willingly paid extra on my bill to have what was represented as “coverage” against this kind of expense. When I made this argument to the representative, she offered to refund my coverage costs, but I didn’t accept. No matter – I got an email shortly thereafter indicating that my account had been credited for those charges, so now I feel like I can’t even argue that I paid for something and should be entitled to it. Any thoughts on how to proceed? — Nathan Witt, Dallas

Answer: I don’t like telling anyone, “I told you so” — but, I told you so. Always get something like this in writing. A quick look at what’s covered would have shown that the installer was wrong, and that your move wouldn’t be covered.

I’m not saying you shouldn’t trust anyone. But, as the Russian proverb says, “Trust — but verify.” Even if you’d taken the installer’s word for it, you might have taken a look at the terms of what you signed up for after you had done so. That way, you could have fixed the problem before it became a problem.

I’m a little ticked off by the way DirecTV stands behind its own product (or, more to the point, doesn’t). I’m not a DirecTV customer, but as I review its “protection” packages, it strikes me that many of the items you’re paying for should really be included in your basic service. This kind of unbundling makes a consumer advocate like me very unhappy.

Since you didn’t get DirecTV’s promise in writing, you didn’t have much of a leg to stand on. However, that wouldn’t have stopped me from appealing this to someone higher up. Here’s a list of company executives. Curiously, there’s no one at this level with “customer service” in his or her title, which in and of itself is telling. Email addresses at DirecTV are firstinitiallastname@directv.com, so triangulating the correct address shouldn’t be too difficult.

I contacted DirecTV on your behalf. It agreed to waive your moving expenses because of the misunderstanding.

Should the verbal assurances of a technician override a written contract?

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  • TonyA_says

    Hi Alex,

    Can you please quote where in your service agreement it says you can get a FREE move each year. Perhaps the OP can compare his with yours.

    I have a feeling you are also quoting what you were told orally.

  • Ed Boston

    Why are you so hung up on the mover deal. It is irrelevant in this case. The OP’s original story never mentioned it. Again, I brought it up as a possible explanation as to what the tech might have been thinking. Nothing more. Why are you so insistent on trying to bring the details of it into the discussion? It is irrelevant. You may not agree with my wording thinking it was an absolute when I brought it up only as an example of just ONE way someone could get a free move. As far as we know, the tech never brought it up and in fact lied to the OP when they claimed it covered moves.

    Let me try explaining it on last time. The tech, in trying to get the OP to sign the protection plan agreement, claimed the plan covered moving. The tech makes that claim knowing there is a mover deal and thinks that will cover the OP when he moved and that the OP wouldn’t realize it wasn’t the protection plan that facilitated the move. However, when the OP found out he didn’t qualify for *ANY* type of move deal, the false information given by the tech was discovered.

    See how none of the details of the current mover deal is needed? It has no direct bearing on the situation. So please, just drop this mover deal issue.

  • TonyA_says

    Bill, it’s a bit more complicated than that.

    Even if the OP read the service agreement http://www.directv.com/DTVAPP/content/legal/customer_agreement he will not find a Move Policy.
    That means he would have to call first and talk to someone about his future move. He assumed that installer knew what he has talking about.
    And after hearing people here they got a free move, who wouldn’t believe the installer?
    Having read the MOVER DEAL, I doubt the OP could have received anything in writing.
    This is definitely one case where we need a Chris Elliott.

  • emanon256

    I thought about switching to DirectTV recently because I am fed up with Comcast. I won’t go back to Dish after what happened last time. Well I looked at Direct TV, and they won’t give me the full terms until after I provide a Social Security number which raises a red flag. The limited terms they gave me also states that they are valid until they are changed. So I can’t trust that. The limited terms do disclose that I have to sign a 2 years contract, and I only get the advertised price for the first year, then I pay whatever the current price is in a year. So if I sign up, I am agreeing to pay for a year at an unknown price, that also raises a red flag. As bad as they are, at least Comcast doesn’t have a contract, and is upfront with their price. So what if it goes up a few bucks a year. It’s better than committing to a year at an unknown price.

  • TonyA_says

    Look Ed, we really don’t know exactly what happened during the conversation between the OP and the installer. All we know is that DirecTV charged the OP for the move. Why? Because the OP did not qualify for the MOVERS DEAL. It’s that simple.

  • Ed Boston

    YES! See even you were able to sum it up without bringing all that worthless details about the mover deal.

  • BillCCC

    You know what they say when you ASSUME.

  • TonyA_says

    I was in the same boat, until I did the research. I realized I was jumping from the frying pan to the fire. The deal with them is quite ONEROUS. You are at their mercy for “details”.

    Every move (or request) you make is an upsell opportunity, and I hate it.

    What happened to the OP is a perfect example.
    Instead of having a MOVE provision, they don’t.
    You are stuck with your 24 month commitment.
    Either you succumb to an upsell BS called MOVERS PLAN or you get dinged for the ETF (cancellation fee).

    I’m trying to figure out their business model.

    When you sign (sucker) up you commit to revenue stream of at least $49.99 for 24 straight months.
    But let’s say you move on the 6th month and still have 18 months to go. Looks like they’ve got you by the Cajones. If you don’t pay the relocation fees, you will have to cancel and pay a cancellation fee of up to $480 (who knows if it is more?).

    What do you think they prefer:

    (1) immediately bill you $480 or more and say Sayonara, or

    (2) force you to pay the relocation fees and keep you for $49.99 a month knowing you will leave at the end because you are pissed.

  • TonyA_says

    NOPE. The DEVIL is in the DETAILS. :-)

  • Ed Boston

    But in this case, it’s the details of the protection plan that was important. The tech claimed it covered moves but it didn’t.

  • emanon256

    Well, the $49.99 revenue stream isn’t just $49.99 for 24 months, that’s just the first 12, then its whatever they want for the next 12 or a cancellation fee. Makes me sick. And there are always new suckers.

    I called Comcast a while ago because I was fed up with the promotional rates that expire, and having to call every 6 months to negotiate anew rate. I asked them what they could do that will give me internet and cable for under $100 a month and will not suddenly change in a few months. They gave me a package with basic cable, and 30Mbps internet for $82 a month after tax. No commitment, no contract, and it will only go up based on their regular increases. It won’t shoot up to $160 after 6 months like their old deals seemed to do.

    When i was looking at Direct TV, they said I would have to purchase my own internet separately, or through the packaged rate with Century Link. This Comcast package rate was the best deal for both. Better than either Dish company once I add internet.

  • jpp42

    Hi Carver,

    I agree that my analysis is not treating it like “insurance.” If it truly was “insurance” than it should not cover events that are planned in advance of purchasing the policy. Just like a pre-existing condition in medial insurance, or life insurance that doesn’t pay for suicide.

    I agree that it would be difficult for either side to prove whether or not the move was planned prior to purchasing the policy… a good reason why this type of protection plans probably shouldn’t include moves at all.

  • Joe_D_Messina

    No, Tony, you’re missing the point. You’ve made a federal case out of a guy relating his personal experience as a customer of this company. The knowledge Ed has a customer who’s used this deal likely explains where the whole promise of a “free move” came from. It’s irrelevant to the story other than showing the tech didn’t just make up something crazy, he was either confused on how the rules worked or trying to make the sale.

  • Joe_D_Messina

    No, Tony, you’re missing the point. You’ve made a federal case out of a guy relating his personal experience as a customer of this company. The knowledge Ed has a customer who’s used this deal likely explains where the whole promise of a “free move” came from. It’s irrelevant to the story other than showing the tech didn’t just make up something crazy, he was either confused on how the rules worked or trying to make the sale.

  • TonyA_says

    Ed, you keep on harping about what the installer allegedly said. Move on, we all agree that was wrong. Forget about that bogus Protection Plan, that might be nothing but an extra commission kickback for the installer. The installer MUST have known about the Movers Deal (since it has been there for years) so he simply said you can move each year. So maybe in order to sell that stupid plan, he “expanded the truth”. Then it BACKFIRED.

    But the DETAILS of Movers Deal actually seems to suggest he can get a *FREE* move (even if they don’t call it FREE). Note it says “Offer available once in any 12 month period for qualifying customers only.” So even WITHOUT THE PROTECTION PLAN, he could have moved for “free” (plus a handling fee). The issue is WHY DID DIRECTV TURN HIM DOWN? What disqualified him?

    My guess, is that he has being sold something he refused to buy. So they dropped the hammer on him. The installer issue is a red herring. The real problem is when is moving FREE and when is it NOT FREE. The policy leaves too much power in the hands of DirecTV. It’s like my professor giving me an F because he does not like the way I walk.

  • Ed Boston

    What the installer said and did is the whole point of the story. The details of the mover deal is completely irrelevant and you need to move on from that. I have been trying to keep the discussion focused on that but you keep bringing up irrelevant subjects like the details of the mover deal.

  • TonyA_says

    Also I do not agree with the 24 mo. contract. It’s not like an iPhone where you end up owning the phone. Their equipment is leased forever.
    My cable provider has a triple-play deal. You can get TV, phone and internet for one real low bundled price for UP TO 12 MONTHS. They dangle a carrot (not a stick). You can quit anytime but since the deal is so good you will stay for the 12 months. Also there is no BS protection plan. You simply have the box, DVR, remote or cable modem swapped if you think it is not working for FREE.

    I can also add or drop the cable channels at any time. Of course I cannot do that for NBA, MLB whole season offers since that is different.
    I really do not understand why these satellite companies think that way – predatory and gotcha pricing. Maybe they need to hire Chris Elliott as a consultant.

  • TonyA_says

    I said “we all agree that was wrong”.

    But EVEN IF THE INSTALLER WAS WRONG, the MOVERS DEAL could have covered his move except that he was disqualified for UNKNOWN REASONS.

    How many times do we have the same issue in this blog?
    Some contractor for an airline, service provider, etc. oversteps their authority to commit the company and then something bad happens.

    Since Cable/Satellite TV companies are “regulated” by the FCC (just like the airlines are by the DOT), then they can play hardball and insist that employees and contractors cannot change tariffs, and customer agreements. That said, the installer did not have the power to commit DirecTV to a free move. Too bad. The [Federal] law will be on DirecTV’s side. Worse, the OP has no recording or proof of the conversation.

    So again, I am saying that the MOVERS DEAL is the only written policy that will provide the OP with something that might hold water [in a complaint].

    IMO it is better you (or us) find out why you qualified for a *FREE* move and why the OP did not. Shouldn’t he have the right to know why he was disqualified?

    Arguing with Satellite companies is quite similar to arguing with airlines. Unless you can show they violated their own rules, then you lose. You will always lose a he said she said event unless you can get a Chris Elliott to bat for you.

  • Ed Boston

    You should have stopped after the first sentence. Everything after that is irrelevant.

  • TonyA_says

    Joe that is exactly my point. Satellite or Cable TV companies are regulated by the FEDS. So I want to use anything in the Fed Rules, the company’s own rules, tariffs and service agreements to argue the OP’s case. So what if Ed got a *FREE* move? So what if an outside contractor said something might not bind the company? What is relevant is the TERMS and CONDITIONS of a FREE MOVE.

  • TonyA_says

    Now you are deciding what I should say or not say.
    I thought this is a free country.

  • Ed Boston

    Will you knock it off. You know damn well that was not the meaning of my reply. I only said the first sentence was the only relevant material. It seems you will just pick on anything to make the final statement. So fine. Here you go. This is my last response on the matter. You can have the last word.

  • Cybrsk8r

    Not only was the installer wrong, I’m pretty sure he was lying just to get the OP to sign up. It’s a pretty good bet the installer gets some sort of incentive bonus based on how many people he signs up for a service contract.

  • TonyA_says

    Well said. So many problems given to Chris are like this – he said __________.
    Maybe the FCC should mandate a structured disclosure sheet that tells customers excatly what they are getting in plain English. And, the form clearly states who can answer questions and commit the company.

  • TonyA_says

    The second and third sentences in your original post refers to the MOVERS DEAL
    So how can you say the Movers Deal is irrelevant to this whole discussion when you yourself brought it up?

    You seem to neglect the fact thay there were two sales events which created a contractual obligation.
    First the Satellite TV service itself.
    Second the Protection Plan that the OP bought later during installation.

    Your point seems to be that the installer misrepresented the company’s protection plan. You alledge that he misled the OP to believe that a free move per year was included in the protection plan. We all know that the protection plan does not include move coverage. So let’s say there was an honest misunderstanding between the two, what is the legal remedy? Should DirecTV take the OP’s word and give him a free move? Should it return the money he paid for the protection plan and say sorry for the misunderstanding? Any high school student can read what is covered in the 5.99 a month protection plan and can understand it does not include moves. If thid was an honest misunderstanding between the parties then for me returning the money is a fair remedy.

    This cannot be the main focus of the story because the real problem was a denial of a free move. My point is the OP was entitled to the Movers Deal by virtue of the first and primary contract itself. Even if he did not get a protection plan, the Movers Deal still applied to him. In my opinion, DirecTV failed to explain why he did not qualify for a free move WITHIN a year of service. Note, not AFTER a year of service as your original post claims.

    The OP was already entitled to some moving rights from day one. That is clear ftom the Movers Deal even before he erroneously signed up for the protection plan.

  • Ed Boston

    I said I wasn’t going to post again but when you post a LIE I am going to respond. I NEVER MENTIONED THE MOVER DEAL! I said they give customers one free move a year. That MAY be via a mover’s deal, but it may not. I got one of my moves because of a situation when I had to leave my current residence and did not qualify for the movers deal. They gave me the move because I was a long time customer. SO STOP ASSUMING CONTENT THAT IS NOT PRESENT!.

    As far as the relevance of the mention of the free move, how many times must it be said. THAT WAS ONLY AN EXAMPLE OF WHAT THE TECH MAY HAVE BEEN THINKING WHEN HE MISREPRESENTED THE PROTECTION PACKAGE.

    And is is not MY point about the installer misrepresenting the protection package, that is the OP’s point! I was only providing ONE POSSIBLE EXPLANATION as to what might have happened. I don’t allege the installer mislead the OP. The OP alleges the installer mislead the OP.

    As you have so painfully pointed out in other posting, but now seem to contradict yourself, “My point is the OP was entitled to the Movers Deal by virtue of the first and primary contract itself.” HE WAS NOT ELIGIBLE FOR THE MOVERS DEAL so was not entitled to it. How do you come to the conclusion that he was entitled to some moving rights from day one? He was entitled to check if he qualified under the movers deal but he did not. And why can’t they just say it’s not part of the protection plan when it is not?

    The main focus of the story was, AS THE OP ALLEGES, the installer misled him about the coverage of the protection plan to believe it would cover the move and what the response from DirecTV would be appropriate it. The movers deal has no part to the story since he didn’t qualify for it.

    As for your claim, ” Note, not AFTER a year of service as your original post claims.” You are again reading content in that was not there. I said, “What it sounds like happened here was since it had been less than a year since it was installed, he would have to pay.” You see that first part that reads “What it sounds like happens”? That means it is just speculation. I didn’t CLAIM ANYTHING!

  • TonyA_says

    Second sentence, your words. Quote: DirecTv gives EACH customer one free move a year. That’s an ASSERTION you made about all DirecTv customers. And where do they get such a priviledge? From the Movers Deal.
    You see Ed, when you make a general statement about all customers then it is no longer just about you.

  • Ed Boston

    There you go again Tony. Apply responses to statements

    they were not made against.

    TonyA_says: “Note, not AFTER a year of service as your original post claims.”

    I responded and showed I NEVER made THIS claim. But then you go and take that response and apply it to another statement.

    TonyA_says: ” Quote: DirecTv gives EACH customer one free move a year. That’s an ASSERTION you made about all DirecTv customers.”

    You are also making and assumption that all free moves are from the movers deal:

    TonyA_says: “That’s an ASSERTION you made about all DirecTv customers. And where do they get such a priviledge? From the Movers Deal.”

    As I stated in my reply, that is not true. I got a move from a Loyalty policy DirecTV has. You seem to be making an assumption that the only way anyone gets a free move is from the movers deal.

    As for my ASSERTION I made about ALL DirecTV customers, in general, from my experience and as has been expressed to me by contacts at DirecTV, they do try to give all customers one free move a year. Be it through the movers deal, a loyalty program, or out of the goodness of their hearts. Regardless, that assertion is moot in regards to the story. I only put that out as a possible explanation of what the tech may have said. So to avoid further issues and to clarify it, I will amend my statement from….

    “I am a DirecTV customer. DirecTV gives each customer one free move a year.”

    to

    “I am a DirecTV customer. In my experience, DirecTV tries to gives each customer one free move a year if possible.”

  • TonyA_says

    Here we go again. More rope…
    Your words, third sentence from the top.
    What it sounds like happened here was since it had been less than a year since it was installed, he would have to pay.

    Hmm… Is that an opinion or are you quoting a DirecTV policy?

    Anything who reads English would infer from your statement that had the OP been a subscriber for a year or more then he would not have to pay. OK, based on what policy? The Loyalty Policy? Care to show us a link to the so-called Loyalty Policy so we check for ourselves.

    Seems to me that “loyalty” connotes tenure, and tenure is one of the factors considered under the Movers Deal. Of course that is only my opinion after reading the Movers Deal.

  • Ed Boston

    You know what Tony. I really don’t give a damn what you think. You would rather nit-pick a response for “accuracy” rather than look it at in the light it was given, a possible explanation of how the situation may have occurred. This seems to be the theme of a lot of your responses. Ignore the over all picture and intent of message and attack irrelevant details of other’s responses.

    Well Mr. Let’s Be Perfect In Our Responses, “Even ebay has a buyer’s guide warning people about BUYING DirecTV equipment http://reviews.ebay.com/Direct…” This is not an *EBAY* buyer’s guide and you would have realized this if you had, as you say, “I highly recommend that you read the eBay webpage” (Paraphrased). If you did, you would see the description of the guides as, “enable eBay members to share their expertise on any topic or category. Whatever your interest or expertise, you can write a guide on it.” (http://pages.ebay.com/learn_more.html).

    As far as this topic is concerned, I am through with it. I made my point and others were able to understand what I was trying to get across. So go ahead and nit-pick this response and my others all you want. I don’t care. You opinion is not important to me.

  • TonyA_says

    Likewise. The “accuracy” of the installer’s statement regarding the protection plan caused the OP’s problem. So accuracy does matter. An inaccurate assertion can be misleading. That’s my opinion.