I was divorced the end of 2006 and a 'friend' had told me about home warranty services since I was planning on buying another home. I looked them up on the computer and NHP had a place to leave your name and phone number.
A day later I received a call from NHP offering me a contract. I explained to them 'I was not divorced yet' and I 'had not bought a home yet'. Even with that information they proceeded to sell me a contract. They offered a 5 year contract at a reduced rate and said if I took it they would send me a $500.00 Home Depot card. I agreed. They did not say anything about the terms of the contract, only that they would pay for any repairs or replacements to anything in my home. I did not know anything about the 'must be in working order' on the date of the contract. If I had, I would not have bought the contract. I did buy the contract. I looked over the contract when I received it and noticed the 'must be in working order' and should have contacted them at that time. Being naive, I didn't. I also never received the $500.00 Home Depot card.
After I bought the house, had repairs and inspection done I moved in. Soon after I had to call for service and they denied my claim. I have tried to get my money back and have told them I considered the contract null and void since they had not given me the complete information on the contract. They stopped taking my calls and emails. I sent letters of complaint to the BBB, D.A.'s office, and Attorney General's office. I even sent a certified letter to customer service. I finally filed a small claims suit to try and get my money back. They have never tried to contact me except to try and get me to extend my contract after a year.
I am out a considerable amount of money (for me) and have learned a very valuable lesson. I don't want them to do this to any other people if I can help it.