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ancientwarrior

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  1. I contacted CIS via claims form from their Internet site, which I completed and sent via recorded delivery with an original copy of the death certificate.After awhile I received correspondence. I was informed of the value £412.52p BUT informed it would only be paid out if the payments had been paid upto her death.She had paid from the opening of the policy 1945 upto July 2002 which is 57 years. As she had not paid for 11 years and noting their response to my claim I assumed they would not pay out.I then wrote to this site requesting help / advice.Should there be a 'pro rata' payment or are they within ther rights not to pay out regards.As your suggestions I decided to contact CIS direct before involving the Ombudsman.You were correct when you mentioned CIS stopped making doorstep collections around this time. They advised that my mothers policy was too costly to administer for the amounts involved and had come up with a final settlement amount which we found acceptable. I had to reclaim forwarding the claim to the department I spoke to on the phone. (they had requested futher information)I can not pass comment on the 'unpaid 11 years - I assume they have waived it - or may have even offered us less than what they would have normally paid.I have now received a cheque which has 'cleared'Once again many thanx for help givenregards
  2. Hi SORRY for the delay. As advised I dealt with C.I.S. direct - The result of which is that they have PAID out on the policy. The monies are now confirmed to have been transferred to our account. I woud like to thank you all for the help/advice you gave.regards
  3. HiOriginal Policy InfoSum Assured £36:00Lunar Monthly payment 5 shillings (25pence?)Periodical Endowment £10:00 end of every 5th yearregards
  4. HiMany thanks for responseDo you think I am wasting my time by writing to the financial ombudsman.I feel that after 57 years of paying she deserves some payment.Shortly after the final 2002 payment mother was admitted to a 'home' with first stage dementiaWe paid the post office for 6 months postage forwarding and never received any correspondence from C.I.S.regards
  5. CIS InsurancePlease adviseI am a pensioner 67 years and have recently lost my mother 94 yearsfuneral 7/11/2013I am attending to her estateAmong her papers I came across an insurance policy with C.I.SIt is a Whole Life Assurance With Profits. Periodical Endowment. Adult (Own Life) Policy and was taken out on the 27th November 1944There is a Premium receipt book showing that an agent would home visitand collect payments - the last collected payment was July 2002.I contacted CIS sending the death certificate and other relevant information.After awhile I received correspondence. I was informed of the value £412.52pBUTwill only be paid out if the payments had been paid upto her death.She had paid from the opening of the policy upto July 2002 which is 57 yearsShould there be a 'pro rata' payment or are they within ther rights not to pay outregards
  6. Please define children :- Do you mean her two main children oR all of the children including grandchildren and graet grandchildren regards
  7. hI Thanx for prompt response No she is not married - my father died many years ago We were led to believe that without a will - intestate - the monies would be equally shared between my sister and myself - her remaining children. But others are saying that 'children' would include her grandchildren and great grandchildren and all would be given equal shares are you able to advise regards :?
  8. Hi - cant find the forum for listing my query on intestate - I apologise if this is the incorrect place - but here is my query My mother has not made a will and I have been officially granted Enduring power of attorney to look after her financial affairs. If she were to die intestate - does the money asset divide equally between the deceased's direct chidren - she has two. Or do you have to divide it between the direct chidren - 2, grand children - 3 and great grandchildren - 2 equally regards
  9. Hi - cant find the forum was listing my query on intestate - I apologise if this is the incorrect place - but here is my query My mother has not made a will and I have been officially granted Enduring power of attorney to look after her financial affairs - If she were to die intestate - does the money asset divide equally between the deceased's direct chidren - she has two - or do you have to divide it between the direct chidren, grand children and great grandchildren equally regards
  10. Hi To you helpers, many thanks for your time : With regards to the v5c update form - surely I shouldn't have to pay for that or do you think the dvla may have written it off with it being so long. I suppose its 2 questions - I have just been back on to vehicle enquiry for the cycle and it states : Date of Liability 21 12 1988 Date of First Registration 01 08 1980 Year of Manufacture 1980 Cylinder Capacity (cc) 475CC CO2 Emissions Not Available Fuel Type Petrol Export Marker Not Applicable Vehicle Status Unlicensed Vehicle Colour BEIGE Vehicle Type Approval null The information contained on this page is correct at the time of enquiry. Vehicle Excise Duty Rate for vehicle 6 Months Rate £0.00 12 Months Rate £48.00 and I note the ved rates, is this a misprint or are you only allowed to tax bikes for a year, I assumed gwc1000 was referring to the mot appointment only regrds and many thanx to you all for your response
  11. Hi Thanx for prompt response - seems really helpful - I was expecting to put the bike back on the road and be immediately hit with a large bill for back tax and non sorn application. the v5 - yes the original is in my name but since 2005 registration has been updated by a v5c document by the dvla. they have not issued me with one for the motorbike and i was reluctant to ask why cos of the thought of outstanding monies possibly owed. one question please explain ved exempt regards
  12. Hi Early 80's bought a motorcycle, at the sametime did a bit of running,unfortunately had a serious achilles problem which needed an operation. after a rest realised i had a problem with the tendon and motorcycle use - excess strain etc. So I decided to 'winter' the bike as it was autumn and the weather was changing for the worse also allowing the tendon better recuperation. Believe it or not (I was single then) i housed the bike in the living room and viewed it as furniture. Anyway to cut a long story short I now wish to bring the bike out - bearing in mind sorn was not required then. Yesterday i viewed the dvla web site - and NO I have never received 'my' v5c registration form for this bike - and did a search on the vehicle WOOPS DATE OF LIABILITY SEPTEMBER 1988 - Yes I remembered I taxed it that year had to travel to a new job. BUT IT HAS NOT BEEN USED SINCE. Aanyone any advice how to approach this delicate subject of relicensing without the brunt of fines etc note 1 bought from new note 2 have original log book note 3 never seen the road or path since 1988 note 4 swear I phoned the dvla in '88 and was verbally informed I was exempt regards
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