Sorry so FNB were the broker?
Never remembered anyone from them at my house.
Just remember a sales rep from window company saying sign here today for your discount etc and advise you to take out insurance as you will have more chance of being successful.
On copy of CCA, the sales rep has signed on behalf of First National Bank.
I am filling out a FOS questonnaire online, so shall I add this to my complaint and that Underwriters have a duty of care to ensure fair sales?
who says!! throw the morality card out the window
why did hitachi sell the debt on for 10p=£1
why didn't they take you to court and crush you??
something is wrong..
have you had a letter of claim from lowells solicitors yet?
have you sent a CCA request? [if not don't yet]
They sent the wrong one first of all as I tried to read through it - I thought this looks like the initial process. Anyway she has sent out the correct with apologies. https://www.fca.org.uk/publication/thematic-reviews/tr16-7.pdf
I am putting it here in case anyone else needed it for ref. However, trying to scan through it see
Pages 19 & 20.
See 3.26 - I quote estimated plausible range of lost annuity income to an average customer being between £120 - £240 p.a. Which doesn't seem very much does it?
See 3.27 ....
Anyway I have emailed them again because my question was not answered i.e. if any of their department know if they are obliged to tell me what info they put into the FCA mandated calculator?
Now - I am wondering if this IS a real 'calculator' or is it if they tick boxes for 'ill health' - then - just calculate on the above figures. In other words it is NOT putting in your precise medical conditions into a 'calculator'.
I hope I have explained it OK so that you can understand what I am trying to say.
Thank you again.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!