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NGEddie

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About NGEddie

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  1. Thank you for all of your help dx I guess I could always express my disappointment as a customer of nearly 30 years with them, nothing to lose. I do tend to agree with your point though
  2. Any thoughts please? Do I have anywhere to go on this? Cheers E!
  3. I'm sure I can just cancel this now though? The weird thing is the RBS agent is talking like she thinks I knew it was optional when the policy started (the bits in bold and underlined) Below I have listed the concerns you raised and overall, I have considered the following: • You believe your DTA has been mis-sold. • Your mortgage was not an endowment mortgage, so there was no legal requirement to have nor should the bank have made this plan compulsory. • The only beneficiary was the bank through ultimate direct payment should something have happened to y
  4. Called Aviva... what does the policy actually do? Covers/insures my life over 22 years from 2003 and decreases by 10% each year if you died tomorrow what would happen ? The policy would pay out the amount it has reduced by at that time what payouts would goto who about what? Payouts would go to the estate and this is not linked to any property or any mortgage or company Thoughts? Very frustrating as I do recall being advised I needed to have this
  5. Do you think I have anywhere to go on this please? Should RBS have told me to cancel the policy when I stopped using them as a provider? Should Aviva have checked the mortgage was in place when it transferred to them in 2011? Does it make any difference RBS knew I wasn't living in the property 2003-2009? Many thanks
  6. As you have made this so black and white, I have just realised I have probably made a total mess up here Yes, the original RBS mortgage from 1999 changed in 2009 to a buy-to-let with a different mortgage company, for the same property. As I thought I had to have a life assurance, this would be ok, even though it was a much smaller amount. It states the policy holder as myself and the property address and says 'in return for the payment of agreed premiums the company will pay the benefits in accordance to the policy conditions' it doenst really specify who
  7. Actually, no, or at least not with RBS. I changed to a different provider in 2009.
  8. Ok thanks, i'll have a read and finger crossed. I wonder if there is a possible angle with Aviva if not as it transferred to them in 2011 I think it was
  9. Are you saying the 6/3 year rules does apply to me, even if I only realised it was mis-sold in 2019? The agent is talking as if I knew this was not compulsory in 2003 when I signed for it
  10. Thanks now working and i've had a read. I seems to make sense. They claim there were pressured into it, but were written to half way along advising it was optional and that would have been their time to complain. In my case, I certainly didn't have anything saying it was optional, either at the start or part way through. My form submitted in 2019 said Finally, tell us now why you are unhappy with the policy(s) that you purchased: I was told the ppi/associated insurances were compulsory for my situation and type mortgage and only recen
  11. Hi dx Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently. I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article' as I dont think the PPi team showed them the original claim form maybe, who knows. Expanding, sorry I missed the word PPi after 'loan' in my post
  12. Have a reply! I sent exactly as you said and... In relation to your comments regarding your claim about your other plans, these were Payment Protection Insurance (PPI) plans. PPI claims are allowed to be investigated after the 6 year time limit has passed. However, this moratorium is just for PPI plans and not for other plans or investments. During the infancy of the PPI review into possible mis-sold PPI plans, several ‘test cases’ went to Court. This was partly due to the fact that many PPI plan holders weren’t aware that they had taken out PPI with their loans, credit c
  13. I have been waiting on another house news, but now decided to bite the bullet and send this letter as it needs resolving either way. The draft is good and have edited a few bits. What I don’t want to do is pay out for the surveyor and then the neighbour restores the area to grass, so have mentioned the survey is something I would do if we go to court and the fact I would be claiming this expense as well as damage. I called my insurance yesterday as want to know, if needed, if they would pay for the surveyor and court bits, as I have an excess to pay. They are going to call me.
  14. Ok great, they sent it by some fancy secure email system thing. I have the email address to reply to, assume this is ok?
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