 personal loan repayments insurance
on my statements i discovered that i had taken out this insurance at the start of my loan.
firstly, it was added on to the capital sum.
secondly, and rather, stupidly, i didnt realise i had it when i was made redundant.
thirdly, they took me to court so the loan finished early.
a few questions;
1) surely the premium should have been paid in monthly amounts.
2)were they neglecting their fiduciary duty when not informing me that i should use my repayment insurance
3) as they forced the term of the loan to end early should they repay part of the premium pro rata?
if any one has any thoughts i would appreciate your help
cheers
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when i win ...... 5% goes back to the site!
Halifax- 14/6/06 Data Protection Act.28/6/06 S.A.R - (Subject Access Request) - (Subject Access Request) handed in person. 2/7/06 Prelin sent for £3297. 19/7/06 LBA sent SETTLED
Halifax cc- 26/7 prelim for £140 - 14/8 LBA sent - 21/8 £ 70 offer - 22/8 Halifax agreed to pay £140 after call SETTLED
Halifax loan #1 - SETTLED
SMPL- 20/6/06 prelim sent for £610 4/7 sent lba after no reply. MCOL 29/9
Rooftop Mortgages - 20/6/06 prelim sent for £225. 29/6/06 letter rec'd saying no! /2/7/06 LBA sent
Capital One- 24/6/06 S.A.R - (Subject Access Request) sent. 2/7/06 prelim sent for £137. 19/7/06 LBA sent MCOL 29/9 SETTLED | 
