This is confusing Baz, If the condition of the mortgage offer was policy to cover the balance in the event of death then your solicitor would have had to confirm that you had this in place before being able to complete on your purchase. But you then state that you didn't take this up, but isn't this the point of the thread regarding the Standard Life plan? Irrespective of interest & capital repayment or interest only, there is still a balance to be covered. If you were paying interest and capital, that explains the decreasing term.

If you last paid in May 09, then yes it should be SB this month, depending on the date you paid. However I think that the payment they nicked 'lawfully' would extend the SB period to August. Let's see what others think.

Has it gone to PRA Group by any chance? (they are Aktiv) Sounds like a nightmare !

So what happened Superlandlady?

A guarantor remains liable until all monies are settled. I see no reason either, why you cannot expect to see a copy of the tenancy agreement that you guaranteed and your guarantee agreement, which you should have been given at the start of the tenancy. I signed as guarantee for my son when he was at uni and were given copies of all paperwork which confirmed all the guarantors for the shared house.

It'll be the one time that hoarding came in useful! Good luck with your mountaineering!

Yes 'in writing' only! IF you did at any time meet the LL, make sure you have a witness!

I agree with unclebulgaria, it seems that a formal complaint needs to be sent asap, it will have to be dealt with officially and under strict timescales and guidelines. You mentioned that there wasn't a signature on the 'policy' that they sent. A policy schedule is simply confirmation of the cover you have bought, sum assured, term & repayments etc and it isn't something where a signature would be required. Are you sure you can't find the original paperwork hidden in the attic?!

Hi Buncrana, it's a shame that it ended in this way and it wasn't your decision to make but at least you tried! What do you mean by 'the start of more to come'?

Aims not guarantee's I can remember when 1st class used to get to it's destination the next day but I think it's just the luck of the draw nowadays sadly.

Glad to hear snail mail managed it in the end!

You should be able to get a refund snowdragon, if it was sent 'special delivery', which is guaranteed next day. I've never had a problem with special, only standard recorded, which isn't guaranteed next day. It's been a long time since we've been able to rely on our postal services!

If you didn't get the letter advising the change back in 2000, I wonder if this would be produced with a SAR? I would still wait until you get something from them to look at.

Allied Dunbar is the correct spelling. I imagine there would have been some sort of incentive for employees to sell and attain targets! We're still in the dark until you have some paperwork so let's hope you get it soon.

That sounds like a good start! Do you remember how you started the plan/s? If an adviser did them, they will be linked to the plan from outset and take a commission depending on what the conditions were when you started them. If there is an IFA, Zurich should give you the name of them, which may jog your memory. Bear in mind that an adviser could have been in a building society or bank and not necessarily independent. Keep us updated.

I only found this out recently as I was assuming that two of mine where claims were issued would become SB this year. However, as these were issued a few years ago, they would need a very good reason and also get the court to agree to lift the stay!

Which also means that it won't become statue barred because it pauses on issue of a claim. I believe that the clock will only be re-started if they discontinue or you ask for it to be struck out.

Yes I did see that you put that it was a long shot and I see where you are coming from with the introduction of guaranteed premiums. The renewal option only becomes available at the end of the original term, not on a annual basis (as far as we are aware at the moment) This option could be very useful for someone who has health issues because it would not require any medical investigations to continue with the cover. I agree that the hike in payments is a lot but it is only if this cover continues on the same basis. There may be other options, like reducing the amount of cover but this is when an expert is needed, who knows the market and is able to consider what the policy holder needs now (20 ish years later) and can compare. Uncle bulgaria said that there are people on MSE that could assist so that's worth checking out.

http://www.comparethenation.com/life-insurance-with-cash-in-value/ You read it correctly

They shouldn't take any payment but if you cancel it then you know they can't. Let us know how you get on tomorrow, we're all speculating so best get some facts!

http://www.zurich.co.uk/internet/zurichintermediary/documents/127142.pdf Renewable term & indexation (see page 7) they are simply quoting for the same cover which I guess is what you took out originally but of course you're 20 years older now! I've not read all 24 pages!

How could it have been mis-sold? The guaranteed premiums option wasn't available when the plan was taken out 10 approx years earlier

If you look at the start date it says 1st April 15 so this doesn't relate to your existing plan. I think it may have come to the end of the original term? They are giving you options to retain cover, without underwriting or take out a new plan which would be subject to acceptance, hence the illustration and options. The advice costs are also an example. The last paragraph advises you to seek advice, yes gets idea's on comparison sites but they can vary so much in the cover provided, especially with critical illness being included. Do you need that amount of cover now and another 24 year plan? Presumably it was to cover your mortgage, what sort of balance do you have now?

From what I can read, that's not a renewal, it's an illustration. We need to see the whole letter and a lot clearer if poss. The advice cost refers to what an IFA would be paid. The only thing I would say is beware of cancelling it without getting more cover in force because if this was from 20 years ago, you won't get the same cover because of age or any possible health issues. You could also speak to an Independent financial adviser, I'm sure you will find one that will give an initial free chat. If I were you havinastella I would put a complaint in, because calls are usually recorded.

onestressedwoman isn't sure where it is but Zurich will easily produce a copy for her when she calls them on Monday.