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Go Back   The Consumer Forums > Welcome to the Consumer Forums

Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

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Old 17th July 2008, 20:44   #1 (permalink)
govtepe1
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Join Date: Jul 2008
Posts: 65
govtepe1 Novitiate
Default insurance policy reclaim compensation

Hello every one , I need help to sue an life insurance company. in 2004 I was forced to take a life insurance with my mortgage. I am still paying for this company. in 2005 original company I was with sold their company to another company, all of a sudden in my bank statements it showed a difrent company. I was not made aware of this at all . I did not recaive any letter regarding the changes. I also realised because of my work I already have a life insurance and did not need this insurance at all.
I want to claim all the moneys I paid to them because of them changing company and not making me informed at all.
I am not good in law wise so can any one show me letter templates I can send of to the company.
Thank you
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Old 19th July 2008, 14:20   #2 (permalink)
caro
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Default Re: insurance policy reclaim compensation

Hi and welcome to CAG. A few questions first to try and guide you.

1. Was it your mortgage company who sold you the insurance?

2. Did they tell you that you could get the insurance elsewhere?

3. What sort of policy is it?

4. Does it include Payment Protection Insurance (PPI)?

5. Which mortgage company is it and which insurance company?
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FAQs and step-by-step instructions for reclaiming

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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Old 2nd August 2008, 21:05   #3 (permalink)
govtepe1
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Default Re: insurance policy reclaim compensation

yeah it was sold along side with my mortgage.
They said at the time I had to sign up for it other wise I wont get mortgage.
the broker was alexsandra hall foxtons , the bank was abbey , the insurance company was scotish provident.
I dont know if there is any PPI I am wating for my cca from abbey to fiynd out.
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