I was cold called by Everest offering a free quote. I said I wasn't interested but the caller basically bulldozed me with promises of a no obligation quote Reluctantly I agreed. The salesman arrived the next morning by which time I had already decided I didn't want a quote. I even apologised for his unnecessary journey. He did not accept no for an answer and eventually I let him in on the basis of a no obligation quote. Suffice to say 1.5-2hrs later I had agreed to do the whole house with a £6k discount. I got quite excited about the idea but then I got into a panic. I'm 73, I still need to work, had no income for 14 months other than just under £2k per month pension. Even IRS gave me a discount because my income had fallen off the cliff. I had to raid my ISA to pay the 50% deposit to Everest. Now they are refusing to return the £13k I paid. they have offered to refund £1800 because that was more than the 50% required. I was trying to reduce the final payment. Never in a million years will I ever take a cold call again and I am now considering paying for a solicitor to fight my case.