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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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Halifax Mortgage Repayments Insurance


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Hi Everyone,

 

I'm quite new here and finding it difficult to find my way around. I took out Halifax Mortgage Repayments Insurance 10 years ago when I bought my house. Reading the Conditions booklet it seems I that if I am unable to work through accident, sickness or disability for at least 30 days I can make a claim on this policy and they will pay a sum equal to my mortgage payment + 25% provided this is supported by a doctors note. I have recently been diagnosed with breast cancer and will be off work for at least 12 weeks, probably more. I have asked them to send me a claim form and am hoping that they will allow the claim. I live alone and don't have any support really so I am going to need extra cash for hospital appointments and household help. To have my mortgage paid would relieve some of the stress and worry about financial issues. Having read some of the posts on Critical Illness cover and the way that Insurance Co's try their best to wriggle out of paying up I am seriously worried. I know this isn't a critical illness policy but perhaps it is the same procedure when you make a claim. I don't remember being asked about illness when I took it out and I don't think they contacted my GP for medical records. If I was asked about illness I probably said no because I would have assumed they meant big things like heart disease, diabetes, cancer etc. I have noticed that claims have been refused because of things like viral illness and I am sure that I will have had something like that (most people do!). The last thing I need right now is a battle with the Halifax; I have enough fighting to do to regain my health. Perhaps I shouldn't bother to fill in the claim form? Or if I decide to do so does anyone have any practical tips to help me? Maybe someone has this same insurance and can give me their experience of making a claim. Thanks in advance for your help.

Suzie

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Hi Suzie. I'm very sorry you're having a tough time.

 

I claimed on a similar policy a while back for mental ill-health [and was paid out]. In my humble opinion, the first thing is to read the policy document thoroughly if you're up to it. Otherwise you could post it here, scanned or typed by you.

 

You're right, it's not a critical illness policy and your problem is exactly the sort of thing I'd expect you to be covered for. Can you tell us any more please?

 

HB x

Illegitimi non carborundum

 

 

 

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Hi HB

 

The certificate of insurance says nothing at all about pre existing medical conditions nor does the booklet. I wondered if there might be a schedule but the cert and booklet is the only paperwork I have relating to the policy. I have searched high and low but have nothing else at all. Hopefully this is a good thing rather than a bad?

 

Suzie

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Suzie

 

I take it you have a good relationship with your GP.

 

I would have a confidential word with your doctor about this and stress the fact you are worried about it.

 

As you have checked the policy, you don't have anything to worry about.

 

You don't need the worry about that when the priority is your health and focusing on that and your return to fighting fitness.

 

Very best of luck to you. Please keep us up to date.

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I got myself worried when I read other posts about claims not being paid out because people failed to declare minor health conditions. I went to the doctor with suspected asthma for which I was given an inhaler (but have had no recurrence since so don't really think it was asthma) and I'm sure I also discussed anxiety/depression with him during my divorce but I don't remember being given any medication. Would these things cause them to disallow my claim if it turns out that they were before 2000? My GP is a bit of a control freak and not very approachable so I don't suppose he would help me in any way with my records if that's what you're meaning Kenny. I guess I'm just going to have to fill in the form and then just wait and see what happens. If they say no, then I'll just have to accept that. I haven't any fight left in me. Thanks for your good wishes HB & Kenny.

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Hello again. A pre-existing condition means one you had before you took out the policy as far as I'm aware and what you've mentioned certainly isn't related to breast cancer. Have you checked out the Halifax website if your documentation doesn't help? I understand that you would like to be forearmed on this.

 

You might consider a phone call to the FSA/fos because they might be able to advise you at this stage. I know some of the insurance gurus here advise that when it gets a bit sticky.

 

Kenny is right, you shouldn't be worrying at this stage and we're here to back you up whenever you need it.

 

HB x

Illegitimi non carborundum

 

 

 

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