If I was in your shoes I'd let this run the full course with the FOS.

Hello again,

 

I have followed your advice to requested all the data by sending them SAR letter. However after 40 days my recorded mail with a postal order £10.00 enclosed was delivered to the insurers, they replied to me asking me to contact its underwriter directly for those data. I received the letter on 20/01/2017 while it was dated 07/01/2017.

 

ICO advised me yesterday to contact the data protection officer of the insurers directly, requesting them to provide any data they held on me.

 

In view of the above, any advice, please?

I don't quite understand.

Name your Insurance provider and name the underwriters.

If I was in your shoes I'd let this run the full course with the FOS.

Thanks for your feedback.

FOS has already got back to me, suggesting a disappointing decision on phone.

Although the decision sounds in my favour but it would not help me to recover the insurance interest of the policy I have paid for so many years.

I hardly see fairness in this decision which FOS say was its core value of its work.

Currently the landlord is taking me to the court for service charges dispute, while I cannot afford to hire a solicitor due to being deprived of the lease dispute cover.

FOS people sound very friendly; however they don't seem to have guts to do things right. I assume that is because the businesses pay FOS's salary.

hello Mr Uncle.

The case is still ongoing, Sorry I am not able to publish their names this moment.

I am sure the insurance provider has played the same tricks to millions of policy holders in UK. I strongly believe that the insurance provider will face missold policy claims by those policy holders.

I can't decipher that, can you elaborate perhaps?

I have finally received the 'Final Decision' by FOS ombudsman after more than one year time.

The case was delayed severely partially because FOS had to replace the ombudsman for a strange reason

- Ombudsman L was investing my case for about two months and went for holiday before making his final decision upon receiving the last document he requested from the insurer.

Then I was advised that Ombudsman L had to be replaced by Ombudsman M,

giving the reason that Ombudsman L had been involved in my case for too long and too deep.

Another reason is that FOS had to spend a few months to wait to receive a policy document:

as the insurer claimed to have sent to me in May 2013 to advise me of the removal of lease dispute cover,

therefore from Jan 2017 to August 2017,

FOS and I were made to wait to receive a copy of this policy document.

The fact was that the insurer tried to for three times send in documents,

none of which served as an official policy document sent to a client.

Shamelessly,

the insurer changed its claim,

saying it advised me of changing my policy in its letter which was sent to me in August 2013 to reject my claim made during that time.

Unbelievably,

FOS ignored the insurer's original claim and bought in the second one,

unfairly rejected my complaint based on this letter,

which I had never received.

And, I pointed out the letter provided by the insurer bore no authentication,

not in letter headed paper and having no signatures.

Finally, I realise that I had no chance to win due to FOS's behaviors.

In my case, FOS went totally against its standards, being fair and quick.

Ombudsman L decided ( in a provisional decision):

My policy includes Lease dispute cover till Oct 2015,

the insurer to re-consider my claim made in 2013,

and the Insure to refund my premium paid till today.

Ombudsman M decided ( in the final decision):

my policy includes lease dispute cover till August 2013 and the insure to provide £250 compensation. ( in this one, most of my insurance benefits would not be recovered)

I have had my home insurance with Nationwide since 2007,

including legal expense assistance insurance covering lease disputes.

I made two legal expense assistance claims in 2013 and 2017.

Nationwide rejected both of them as Nationwide claimed to have sent me documents in May 2009 advising me that changes had been made as to remove the lease disputes cover from my policy.

As I made a complaint to FOS in 2016,

Nationwide provided FOS with copies of all those documents to prove Nationwide had mailed me them from 2009 to 2014.

Some of those documents were Nationwide leaflets and did evidence changes to Nationwide Home Insurance Policy.

I have never received any of them as I also sent FOS all the documents I received from Nationwide.

I can swear for my life that I have never even seen them before.

Sadly, FOS selected to take Nationwide's side and rejected my complaint, accepting that my policy was changed.

I don't know how many people out there who have purchased Nationwide home insurance.

Have any of you come across the similar situation?

I was ended up unable to hire any legal service to defend myself when my landlord took me to the court for service charges this year.

merged with your existing thread that you seem to resurrect every November of the last few years.

I don't quite understand.

 

Name your Insurance provider and name the underwriters.

purchased the home insurance policy from Nationwide. The underwriter is UK Insurance and was Churchill before 2012. The insurer for the legal expense assitance insurance is DAS.

.

Kindly provide your further comments, greatly appreciated