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cjhooker

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About cjhooker

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  1. It was a very slow growing tumour, that had not d Spread at all. I'm going to ask consultant for a letter, I hope he can do that for me and he doesn't refuse. They did quote 20 a month to start with and then jumped to 40, I asked them to reconsider and then they said "actually we think we've been too generous and we are now going to refuse cover full stop". A want to see their reasons in writing really..
  2. I didn't have any insurance at the time. In fact I've never had any, I'm only getting it now because I buying a house for the first time. I'm going to try a few other insurers but I'm not hopeful..
  3. Thanks so much for replying. They first quoted me a high rate, I then asked them to reconsider, I tried to explain about my illness and that it was over 17 years ago. They then came back to me and said they couldn't offer any cover at all! I'm going to ask my consultant to write a letter. I'll look at Ifa's too. Im so upset by it, I get that it's all abiut risk but I feel like I'm being discriminated for having had cancer!
  4. Hi all, I have been refused life and income insurance by legal and General after they rejected me based on my medical report. I had cancer 17 years ago, not an aggressive tumor and my consultant is positive it will never come back. It was a very rare tumor and only a specialist consultant would know the details. Basically they have took one look at my report and refused me. Can I appeal? Can I request to see their report (not my medical records but why they refused me) Can anyone recommend an insurance company? Thankyou!!
  5. Hi, I'm in the same boat. How did you sort it?
  6. I took th readings myself but have since mislaid them. £800 pound for the year plus £31 per month, they say they have estimated the £31 but if they were £800 off that is not a very good estimation! I'm not sure if there's anything I can do?
  7. Hi all. I have recently moved out of my one bedroom flat, three rooms in all, bathroom, bedroom and lounge/kitchen. I had a gas hob and gas boiler. I gave a reading when moved in and when I moved out, I'm thinking that one of these readings must have been wrong! As I have just had a final bill for £800 (mostly for gas). EDF said I was paying a monthly estimated bill, which admittedly was very low at £31 for gas and electric. However with the £800 it's more like £100 per month, this can't be right can it? For a one bedroom flat! EDF have taking the money out of my bank but nation wide refunded it while I dispute it. What can I do? I can't afford a payment like that! Any help would be gratefully received.
  8. Hi, thanks for your replies guys. What would sending them a SAR achieve for me?
  9. Ah, thanks for that. So if I default on my payment plan now it will go back on my credit record? Man, I'm never going to pay off this debt!
  10. Is there any chances that after six years my debt has been stature barred ?
  11. Hi all I have set up a new payment plan with the new collection agency. Does anyone know what would happen if I stopped paying lloyds, could they still chase me for money if the original default is more than six years ago? Cheers for any help
  12. I think the two debts are separate but I pay £40 to Allied, I have only had contact with Allied since the default, do you think it's weird that lloyds are getting involved again is it just coincidence that its at the same time it's wiped from my credit history?
  13. The debt didn't have penalty fees, I don't think. I still owe about £7000 though.
  14. Thanks for your reply, the letter looks genuine, it just says they are using a different collection agency...
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