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Found 4 results

  1. My house caught fire via my neighbour who has admitted responsibility, the insurance have made suggestions they may void Claim due to previous history not being divulged . If this happens (not confirmed yet ) what steps would you suggest next ? Suing my neighbour ? Please could someone advise my next steps and who to contact please
  2. I am changing my vehicle on Thursday and the insurance company after re-newing the policy in October. They are not competetive for the new car so am going to change companues. They say they are going to charge me admin cancellation fees and for loss of commission, is this right?
  3. Hi,looking for some advice please.heres my story. On october 20th this year i had a collision with anothe car.We both refuse full blame and exchange details.After looking at the damage we both agree minimal damage and will sort our own cars therefor no insurers or police were informed.A few weeks later he gets in touch after finding out his damage is way more than he thought and is now trying to put full blame on me asking me to pay it or call insurers.My company need any crash to be reported within 48 hours or they wont get involved and this is 3 weeks later he comes asking for money.I refuse to pay so he said he will contact my insurers and if they reject his claim he will take me to small claims court.can he do this? i have fixed my car only needed a new headlamp and he says his driver door needs replaced at a cost of £1700 but will accept £1000 if i pay cash as his mate will do the job.How can i prove my innocence as we have no witnesses? I have since found out that as a named driver on his dads policy the kid who was driving uses the car daily as his own so this is clearly 'fronting' but how can i prove that? Really dont know what to do now as i feel if i dont pay i could get into more trouble for not telling anyone about the crash at the time.He said he has not told his insurers but i dont know if that is true.I do feel he may get in more trouble for fronting but i dont know enough about this to be sure. please comment if you know anything that would help me
  4. Hi, I’m looking for some advice regarding life insurance sold with mortgages. My in laws took out a re-mortgage on their property in 2003 with HSBC. When they took out the loan they were sold a life insurance policy as well, I’m not sure at the moment if it covered anything else like critical illness etc. as they have lost the policy documents and we are waiting for copies from HSBC. At the time of taking out the mortgage my mother-in-law was 62, and on long term disability benefits, and my father –in-law was 60 and also on benefits following an accident, he is also main carer for my mother-in-law. In 2005 they sold their home and moving in with us due to deterioration of my mother-in-laws health. The mortgage was paid off with the proceeds of the sale. At this point they made an appointment at the bank to put their account in order and cancel unwanted direct debits etc. When they told the lady who dealt with them that they wanted to cancel the life policy for the mortgage she informed they that they should keep it running as it would give them financial peace of mind should one of them die. She told them that on death the policy would pay out £40,000 for each party, so they kept the policy going at a cost of £60.99 per month. Last week they went to the bank about another issue, but also checked the relevant issues of their life policy as they are both some 6 years older now. They were informed by the bank that the policy only related to mortgage they had settled 6 years earlier, and the policy depreciated with time, in line with the reducing sum owed each month if they still had the mortgage. He said that even if it would pay out now it would only be worth £6,000 each, and finishes next May as that’s when the mortgage would have been paid up. They are both utterly devastated by this news, having paid £4086.00 into a policy for the last 6 years which has turned out to be of no use to them. They have raised a verbal complaint with the bank, and have received a letter saying “they will look into it”. However, I feel it needs addressing with a much firmer stance than just waiting and hoping. Do you think they have a chance of claiming back this money? And if so can they add interest charges on top? Any help would be appreciated. Thank you.
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