Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
We complained to our insurance Halifax (about really high premiums (1000.00) when everyone else was paying around £300.00. Insurance started spiralling when they decided to chnage it from Sun Alliance to make matters worse they added it to the mortgage and we had to pay interest on it. We asked them to stop doing that at one of our reviews and they continued to add it to mortgage. When we complained building society said that they didnt have to do it and just dismissed us and said in reviews they dont have to inform us that we can seperate mortgage from insurance. Even at the last review they still are now charging us around £700.00(insisted again) but all my friend paying far less still. Our mortgage payments also didnt get reduced. Only got a 3 bed semi. My friends are in shock as i have told them. What can we do, the overpayments made could have paid our arrears?
Did you do anything in writing? And why are you letting them carrying on?
Step 1: Find cheaper insurance, set it up to change on X date.
Step 2: Cancel current insurance in writing, stating X date at which you want it to stop.
Errr, that's it. :-?
If they don't act on it, then go after them as to why not when you have given them specific instructions, and demand a refund from when you cancelled.
If you knew your insurance premiums were too high, and yet let them carry on despite your protests, then there's nothing you can do, as you will be deemed to have accepted those terms. There's nothing unlawful about one insurance charging more than the other, they rely on people's inertia to do so.
Change as soon as possible, and learn from this that the only person you can rely on to look after your finances in your interest is yourself. ;-)
Insurance linked to mortgage is a really poor deal anyway, as you realised. Tip: If you have PPI linked to your mortgage too, you would do well to look into that too. I had my PPI, Life Insurance AND house insurance all bundled in with my mortgage up to last year. By switching to 3 different providers, I now save £80 a MONTH! Yes, it took a bit of work to get it all changed to start with, but what a return!
Tip 2: In case of PPI/mortgage protection, always choose an insurance with a "back to day 1" policy, it is VERY worth it when it comes to big payments like a mortgage.
Apologies to people who I was in the process of helping, I may be gone some time.
House insurance scandal
(about really high premiums (1000.00) when everyone else was paying around £300.00. Insurance started spiralling when they decided to chnage it from Sun Alliance to make matters worse they added it to the mortgage and we had to pay interest
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Yes, it took a bit of work to get it all changed to start with, but what a return!