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  1. I rang Paratus AMC Limited to ask what my mortgage repayment would be after the Bank of England Rate raise, I was not surprised to be told it had increased but was shocked when I was told Paratus AMC Limited had added Buildings Insurance Premium of nearly £50 a month to my mortgage repayments!! - which means I would be paying over £500 a year just for insurance, when the fact is I have my own buildings insurance and much lower. I asked why they had added Buildings Insurance Premium, I was told it was a legal requirement, but I've had my own Buildings Insurance in the pa
  2. Hello. A friend of mine has asked me to look in to the insurance policies that she has just realised were sold to her when she took her mortgage out back in 1998. From looking at the paperwork I can see that there were various forms of insurance but what strikes me straight away is the phrase 'Premiums are recovered from your monthly mortgage repayments. Separate payment is not, therefore required. Please amend your payment when advised'. Does this mean that the insurance was added to the mortgage, and by doing that, my friend was charged interest on both? Apologies for the n
  3. Hello people, I am new on this forum so please have patience with me. Last year I was searching for insurance for my girlfriend's car so I went on money supermarket or confused (can't remember exactly which one ) I put the details on there HER being the policyholder and me as named driver on policy with the option for business miles everything ok i got quotes from a lot of companies and we have chosen GoSkippy from the whole list, made the papers put down details for direct debit insurance went on and i though I have a business insurance but I was mistaken. The problems started ye
  4. Good Morning, I'm seeking some advice/direction from you for my mother following my fathers death in 2014. Her mortgage started in 2002 and was called a Natwest Foundations Mortgage, it was effectively an arranged credit line that allowed you to borrow up to the value of the property and pay off extra amounts when suited. Natwest withdrew this product and started locking peoples money in, there was widespread complaint online about this. At this time from research, many customers moved to other products offered by the bank however my father insisted he was staying on the product. Still to
  5. Hi all I'm wondering if anyone can help regarding a Single Justice Procedure Notice regarding driving without insurance. I was stopped by the police for having no insurance which they had checked on their database. I have not had insurance for a while as I cannot afford it. I have done my best to drive my car very sparingly, infact have only driven a couple of times. To summarise, my vehicle was impounded and has been scrapped. I received the SJN and have plead guilty within the deadline of 21 days. I did not write anything in terms of mitigation as I feared it might be used aga
  6. Please can you guys advise me what I can do. The Third party insurance making it very difficult and seem like they are looking for ways not to pay. If this is the case I will be liable for the costs, which would set me back in life. Background 1.I had a collision, and claimed for the damage to my car personal injury. (it was non-fault but the Third party claimed 50/50). The case went one. 2. Third Party gave me a cheque for half on non-prejudice basis. The day they sent this, My solicitor took the hire car back from me. 3. Cheques take some time to clear, However I
  7. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  8. Having been on the wrong side of Insurance Companies and having my insurance voided through a careless error in filling out an online comparison application, I decided to start a government petition to try to get insurance voids time limited. Insurance voids can happen for many reasons, careless errors, unintentional omissions, financial difficulty, negligence, black box insurance contraventions. It's fair to punish offenders but not for life, this needs to be time limited like penalty points on a license. If this issue has affected you or anyone in your family please sign and s
  9. Hi All. I am having a real headache at the moment with homeinsure.co.uk / Thames bank insurance. Background: I split up from my ex-wife some time ago, but as we own a property together (wholly on my name) and no one else lives at the property, i still left some of my contents there as it is the safest place for them. This included some photography equipment, cycles etc. Additionally, all the bills etc on the property are on my name as i deal with anything official in relation to the property. The building is insured via a block management policy. History: Back in 2016
  10. Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults fo
  11. Hi All Jut after bit of advice. I recently lost my pandora bracelet and 8 charms on holiday. I made a claim when I returned on my travel insurance. Limit for a single item was £300. My claim for the bracelet and charms was £490.00. They will only pay £300 as they say it was 1 item. Would you say this was correct? Charms were all bought separately over a period of a couple of years.
  12. I'm unsure where to post this, I added FLP to my home insurance I needed to call on this policy therefor, sought legal advice through my home insurance policy. The policy referred me to a company (outsourced but covered under the policy) Initial merit test concluded I had over 50% for a successful ET claim, a solicitor was appointed, whilst the solicitor was compiling an ET1claim form, I was advised to contact ACAS to obtain ET certificates, unfortunately, ACAS helpline failed to advise me correctly, this resulted in me completing an ET1 claim form in error.
  13. Help, Please can anyone advise me where to turn to. I bought a 3 year old approved used Mercedes from a Mercedes dealership on Dec 22nd 2017. I was told verbally that the car was being MOTed the day prior to my picking it up and I was giving paperwork listing the MOT date as Dec 22nd 2017 - Dec 22nd 2018. I was overseas for a while in Sept / Oct and left the car in airport parking. Whilst I was away my car was damaged with some scratching to the bumper. I returned to the UK and amongst the admin I had was a reminder for taxing my car. When I tried to do this I real
  14. Hi, can anyone help at all. I received this letter from peter vardy recently. I purchased my car 12 month ago, and paid £399 for Gap insurance for 4 years. The letter is as follows "We hope you are enjoying your new car and would recommend us to your friends and family. As part of our commitment to forging a long-term relationship with all our clients we hope you will allow us to continue to look after your car long into the future. Whilst writing we have taken the liberty of attaching your status disclosure document relating to the insurance product you have purchased from us.
  15. 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!!
  16. Hi. This has become a talking point between me and my biker mates. Why are we asked to pay pillion insurance? My full bike licence entitles me to carry a pillion, and I do not need an insurance company's further permission. Car drivers are not asked to pay for passenger insurance. Several of us have asked our insurance companies, normally at renewal, what this is for. Answers range from "It's illegal to carry a pillion if they aren't insured seperately" to "It's so we can represent the pillion if they are injured." The first is obviously wrong, the second raises so many
  17. Name on my NI Card, is not in full as on my Passport I was given the NI card with a short version of my name. Anyway I've have applied for a job, where I need to show my NI card (which are no longer produced) or NI Record, which I believe is no online, can I go online to the HRMC site register and update my NI record, so my name is now in full as per my Passport? Its not a name change, but update to my full name as on Passport
  18. Just to let people know about the trouble I have had with budget insurance. I took out van insurance with them in May this year, as well as the insurance I took out break down cover. This month I had purchased a new van , when I tried changing the insurance over to my new van Budget wanted to double my premiums even thou through an online comparison site they were quoting £20 cheaper than I was paying. When I queried this they said that was for new customers and not for existing customers and they would not budge. I decided to cancel the insurance and has to pay £50 cancellati
  19. I am looking for some advice with respect to a PPI refund and compensation in connection with a former Endeaour loan. I had a compensation refund in 2015 which was based on premiums I had paid from 2002 - 2013. But I did not know if it had been calculated properly because although I had requested that the PPI be cancelled in 2013 all my loan account statements from Endeavour/HSBC and subsequently Sancopia Portfolio showed premium payments . I then spent 3 years trying to find out how HSBC reached their compensation figure and which premium payments were used for the calculation.
  20. Hi I have received a letter from Zurich saying they have mis calculated my payments since 2004. Giving me two options a refund + interest or keep paying what I am and increase cover Can anyone send me link to interest calculator please had it on my old computer which is long gone. Smiles OSW
  21. I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports
  22. I was stopped in a random police check point on a Saturday on my way back from the cash and carry locally to where I live. I was driving my brothers vehicle as mine was being repaired. We both have fully comp insurance and both are covered to drive other vehicles with owners consent. The officer that stopped me asked where I was coming from and going to, I replied from the cash and carry and on the way home. I was asked for my Insurance and I explained that the vehicle was my brothers. The officer went to his car and returned saying I was uninsured and he would be se
  23. Hello group, I have had a letter from debt and revenue services saying they will visit my property ( i'm not unduly concerned as I dont live there ) However this is for a supposed debt of an auto renewal house insurance of £50 which they have now pushed up to over a £100 with their terms and conditions : I had previously told Admiral last year that I did not wish for them to continue after 12 months and cancelled my DD so they couldn't take it ( they tried) and I insured with another company. My question is ...does this situation go on and on ? are these idle threats? does Admiral seri
  24. Hi everyone, I am looking for some advice as to the application of the Consumer Rights Act or other relevant legislation to insurance replacements. The situation is as follows: I had an iPhone replaced under insurance in March of this year. It was replaced with a brand new, sealed unit in original Apple packaging. The phone has developed a fault 5 months after receiving it. On contacting Apple, they advised that they were not the retailer and that I should contact the people I got it from and request a replacement under the Consumer Rights Act. Apple did, however, completel
  25. Car repair cost amount to the approx. value of the car, your customer service tell me they can send salvage agent to collect ( then they will valve car and negotiate a value) how about don't be silly its going nowhere till any payment is agreed and cleared, or 2/ they can send an independent assessor out and I could then decide how I want to proceed and if he deems car a write off it will be categorised whether I claim or not (so your devaluing my vehicle if I don't claim but an assessor come to inspect it ( sounds like a bad joke) 3/ or I can choose a repairer of my own a
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