Something else I think you need to ask the Insurer for Clarification on is.
That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.
I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)
Just received a letter from lowells sols stating they have note of my aos
They have stated they have attached - Copy of agreement, statement and notice of assignment
HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before
They state they have requested a copy of my default notice
So in light of this shall i still send the same defence? i think it still stands right?
Just had a Clear Score update which says:
A credit or store card account will be removed from your January report.
Organisation Name: Hoist
Account Number: ****9048
Company Type: finance house
What does this mean?
This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report.
Why is this change not on my report yet?
We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January.
Is this a usual part of the process?
I'm submitting my defence this weekend. I'll post it on here first.