Thanks you all for help! I don't have the details of previous years, I presume that over the years the Policy Premium has gone up? It is an asssumption. It is not a high Net Worth Policy, the house went up in value there must be a link, as for the content middle class. You ask me for useful details that could shed some light on this matter. I am in the dark I need to investigate the Policy history. XRCHRIS has got it right, she didn't bother to check! You are asking for more details, there are no

Thanks for asking, How? she assumed that L&G was an honest institution, and they were giving her a good deal, she didn't question its current integrity because 20 years ago she had a relative working there and advised to her, things have changed since. Why? just because they got away with it, she just paid the premium annually no questions asked. Naivety and greed mixed with some old age. what can i say?

Thanks for reply, They just sent on a yearly basis her insurance renewal and she paid what was on the invoice ! as simple as that : no challenge at all. The £200 mentioned is the new premium, instead of £1600, It was paid in order to be covered. They offered over the phone 2 years and when the offer was recieved there 1 year not 2 ! On their website L&G have no deal similar to my mum's. I think that they have to invoice a service in a resonable way, they have a public responsabilty. Then if they overcharge her it is unlawful, I presume ? that is my question, can we do something to get a refund + for the past 10 years? Thanks again I.Dowek

I need help ripped by insurance for more than 10 years... Since more than 10 years my mum(80+) has been overcharged by Legal& general insurance. The premium of her home insurance was £1600/year and they agreed after I complained to the customer service to a premium of £200/per year. Over 10 years they took advantage and didn't reflect the lower premiums they chargeD other clients "she didn't do any claims". I asked the manager to refund her the unfair over charge which is about £10000 or make a serious offer, otherwise I'll seek legal advice and may take them to court. He refused Bla.. Bla. and offered instead 2 years free insurance. I told him to send the insurance docs by post. The letter posted by L&G, The offer was reduced to 1 year. As I mentioned Court during my previous telephone conversations he stated in the letter that i have six week/or/month to take this claim to court! He admitted over the phone and in writing that L&G didn't act fairly. When I recieved the insurance invoice I didn't take the 1 year free of charge and paid the £200 premium as if no offer has been made, I thought that it would be wiser if we want to take this case to court in the future and be refunded for 10 years. What are my options here? is it the same procedure as banks charges? What should my next step be? Is he bluffing when he states a time limit (6 weeks or months) for my possible action? I will be happy to provide additional details. Please help me. I.Dowek

Hi to all, I am a Lloyds client and paid a lot of charges over the years. I am reading everyday as much as I can, the FAQ and some of the comments to gather more confidence. If someone could help me with my following request please! Currently, my c/acct is in the black, however my credit card has been cancelled with a debt of approx £8k. I agreed to pay at least £15 p/m. My other big problem is that I had an Egg c/card with a smaller debt £ 2,700. I have been defaulted 2 months ago then transferred to a Collection co, Credit Solutions. They sent me letters, called me a lot, I talked to them but never made any payment! What can I do (with the colllection Co/ EGG) in order to limit the damage? I thought that once I got back my overcharged monies from Lloyds, I would be then in a position to say that If I wasn't able to pay my monthly Direct Debit to Egg is because Lloyds has overcharged me and took the money allocated to them EGG ? Is that in order? or there is a flaw in my argument ? Thanks for reading and of course your precious comments. I.dowek