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Old 31st March 2006, 13:10   #1 (permalink)
Retro1972
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Default Loan Insurance payout
I have recently lost my job due to illness and claimed on a payment protection policy on a loan. The insurance company are only paying the interest rate as ot was at the time the loan was taken out. Is this normal?
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Old 1st April 2006, 00:57   #2 (permalink)
breadline
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Default Re: Loan Insurance payout
How awfull for you.

If i was you the 1st thing i would do is, get a copy of the agreement and have a good browse through it.

Wasnt your loan at a fixed interest rate? a % to the amount borrowed, i didnt think that could change..

or am i right off track here??

Is it a mortgage? secured loan?


Jules
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Old 1st April 2006, 07:26   #3 (permalink)
BankFodder
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Default Re: Loan Insurance payout
Ye, read the T&Cs and come back here. If you find it then let us know. If you can't find it then maybe you could scan us the T&Cs and we'll have a look.
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Old 10th April 2006, 11:10   #4 (permalink)
Retro1972
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Default Re: Loan Insurance payout
I've found all the loan paperwork but can't find any relating to the insurance, incidentally the Insurance company is Cardif Pinnacle who someone else has also posted about.
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Old 10th April 2006, 17:40   #5 (permalink)
Loula
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Default Re: Loan Insurance payout
Hello!

Ask them for a copy of the terms and conditions which you signed. They do update these periodically so you should specify that you require the documents relating to the time at which you signed the agreement.

Any problems please come back to us.

I will, in the meantime, try to look on the internet for this company and any details pertaining to loan insurance.

LOULA
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Old 10th April 2006, 21:05   #6 (permalink)
Loula
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Default Re: Loan Insurance payout
Nothing on the web.

Looks like the policy Cardif Pinnacle provided was tailr made for the loan company.

Please supply as much info as you can, then I may be able to help you more.

LOULA
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