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Steve C

Nat West personal loan insurance

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In February 2009 I was made redundant and applied for Nat West insurance ( this poilcy was taken out at the same time as the loan in the bank ) to pay my monthly Nat West loan. I filled in the forms and they confirmed that I was elligible.

 

I submitted one form when requested in April 2009 accompanied with actively seeking work details, job applications and jobcentre form ABI 1JP. In May 2009 I received a double payment straight into my bank account. I thought now I am in the system I should be ok.

 

I haven`t received any payments since. I asked Nat West bank to look into this matter, they informed me to try contacting the insurance division direct. I did this and was told there was a backlog. I`ve written to the Nat West bank manager and Nat West insurance team leaders saying I can not and should not have to subsidise their companies to ensure my monthly premiums are maintained. I`m awaiting their responses.

 

What should I do next? I placed a mechanism in place to safeguard me against redundancy, illness etc. This mechanism isn`t functioning correctly. Can I claim mis selling as the policy at present is not providing the service I have paid for?

 

Would be great to hear from anyone who could offer some advice.

 

Many thanks in advance. Steve

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That is interesting, I think you should perhaps be complaining that since there has been no change in circumstances there should not be a delay in paying the loan as it will be affecting your credit score and putting you into financial hardship. Very interesting(no on the missold but certainly worth a letter of complaint re the delays on a claim they have clearly decided to pay out with).


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thanks very much for your reply. :)

 

Having previously written to both the Nat West bank and Nat West insurance without reply to date, I took the opportunity to speak to the Nat West bank manager today. He informed me that he would investigate this on my behalf.

 

I put two proposals to him :-

 

First, The bank can have my monthly loan premium when I get payment from Nat West loan insurance. He decided and said this was not possible!

 

Second, Imagine this scenerio, if I had brought a car or motorcycle for example and it goes wrong, then I take it back to the retailer I purchased it from NOT THE MANUFACTURER. If it continues to breakdown I contact trading standards claiming it was not fit for the purpose it was sold. The comparison is therefore applicable to my insurance policy.

Well let me see what I can find out from the Nat West insurance and I`ll get back to you, he stated!

 

I`m not happy with the answers or the stalling tactics that appear to be coming into play. I can`t afford to subsidise the Nat West insurance by way of my bank overdraft but that is whats happening at present.

 

Any ideas on my next move please.

 

Steve

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let's wait and see what NatWest say but I think any delays which cause the loan payments to be missed should equate to a refund of charges imho. Let's wait and see and then go from there but keep a record of everything including any costs you incur because of this.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Still no response from Nat West Insurance. I received a telephone call from Nat West bank on Wednesday saying they had spoken to Nat West Insurance on my behalf but Nat West Insurance couldn`t disclose any details due to customer confidentiality:confused:

 

 

Nat West bank did inform me that a letter was sent out from Nat West Insurance sometime last week and should be with me sometime this week!

 

I contacted Trading Standards yesterday but unfortunately this does not come under their remit and they advised me to contact the Financial Ombudsman Sevice.

 

I am now in the process of writing to the Nat West bank manager to inform him ( as it was his branch where the loan and insurance was taken out ) that I would be writing to the FOS giving details of all correspondence and a log of all telephone conversations.

 

Steve

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Just to bring this topic upto date. Received a response from Nat West Insurance who have apologised for the delay in replying but quote the increase in people claiming is causing a backlog although extra staff are currently being employed.

 

Before I respond back to them I would appreciate any advice regarding what I might be entitled to or what I can claim. I believe I read somewhere that I can make a claim for the time I have expended on the subject trying to build a dialogue with them and out of pocket expenses. Something like £10 per hour was quoted if I remember, Is there any truth in this practice or is it a myth? Or does this have to go through the courts or FOS for these type of charges to be claimed back?

 

Many thanks again for all replies.

 

Steve

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