THE EASY WAY: All the Forum's best tips go in MoneySavingExpert's weekly E-mail Plus you'll get all the new guides, deals and loopholes. It's free & spam free
IMPORTANT! This forum isn't moderated. If you spot a spam, illegal, offensive, racist, libellous post or PM please email abuse@moneysavingexpert.com
Remember, this is an open forum! Anyone can post so always exercise caution when acting on info. Don't post links for personal gain. Except in the referrers section and always declare any interest.
When I met my wife I was about 6 years younger than her going by the birth date she gave me 1939. Years later we bought a house and got an endowment policy on it. A few years after this we decided to go to Australia for a holiday, we needed passports and my wife also needed a birth certificate to get hers. So I sent off for a copy we got one it said she was born in 1942. She and her brother both said this was not right I did'ent care and used it to get her passport. I got another endowment policy when we bought a bigger house I told the insurance man that the birthdate was wrong according to this latest birth certificate he said we would just keep it at 1939 to avoid problems. Years later I decided to get the birth issue sorted out so I sent off for another birth certificate telling them the 1942 one was wrong. They sent another birth certificate saying she was born in 1935 making her 10 years older than me. I just let things go along the next decade. My wife is now in ill health I sarted thinking about these endowment policies with the wrong birth date for her. What will happen when it becomes time for these to be paid out will I have problems?
So your wife pointed out that the birth certificate date was incorrect, yet you decided to use it anyway, and it is her that is not the brightest penny?
The Following 5 Users Say Thank You to GavB79 For This Useful Post:Show me >>
Genealogy is a growing web based activity. It requires hours/days of of patience and a lot of luck, determination and practice. You can find out exactly who you are with some research.
J_B.
Use the Quick Links ,top right of page, to edit your signature.
GavB79 my wife told me the 1942 birth certificate was wrong which I used to get a passport for her as there was not time to get another birth certificate then due to the holiday coming up she never told me that her real birth date was 1935 . Thanks to the other two repliers even though my question has not yet been answered. Could someone tell me what the insurance company are likely to do about this? I have been paying for the policy for nearly twenty years.
It may be that women lie about their age. I always thought that my father's sister was the youngest of their generation. It turns out she was the oldest by far. She had a husband who died early in her first marriage and managed to look young enough to attract another.
I still have a few credits left to peruse parish records.The address at which ancestors have lived may be a better key to narrowing down who was born when.
J_B.
Use the Quick Links ,top right of page, to edit your signature.
Last edited by Joe_Bloggs; 04-11-2009 at 11:46 AM..
Reason: the for that in word 4
Sorry no advice on the insurance, but yes it seems bizarrre to lie about your age , but it appears that my half sister has done just that - she is 29, but insists she is 28 and tells everyone she was born in 1981 when infact it was 1980! Why? Particularly when you are only in your 20's!
How on earth did you manage to get a birth certificate with the wrong dates? Surely the parents names and location etc would be wrong? If you do want to know the accurate date I will try and use my subscription to a genealogy site to have a look into it if you pm me her name and birth location I'll see what I can find - if it is an internationsl birth, I may not have access - maybe you don't have a problem and she was born in 1939.
Last edited by patchwork cat; 04-11-2009 at 12:01 PM..
The Following User Says Thank You to patchwork cat For This Useful Post:Show me >>
Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. Different people have different needs and what is right for one person may be different for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.
The Following User Says Thank You to dunstonh For This Useful Post:Show me >>
I have found these 2 links can someone comment on them. Thanks. Sorry I RECEIVED THE FOLLOWING MESSAGE WHEN I TRIED TO POST MY LINKS 'Sorry as a new user you are not allowed to post with links. This is done to stop spammers clogging up the site. Please edit your message below to continue' well I think this is just STUPID I thought this was a discussion forum, I am being discriminated against because I am new. Something needs to be done about this.
Patchworth cat the 1942 birth certificate was a small one they dont give to many details on them, I only needed it to get a passport. We did know it was wrong. Joe Bloggs woman have always lied about there age, but not like my wife on an insurance document.
OP, to your original question (and Im no expert), if anything happens to your wife you will be required to provide a death certificate. If the death certificate matches up with the details held by the endowment company then there shouldnt be any problems.
Her medical records (place of birth/date of birth) will used to fill out the death certificate, so the chances are the endowment company will notice the descrepancy.
How do her medical records tie up with her age claims on the endowment policy?
In my humble opinion, Insurance companies dont need much of an excuse not to pay out and this would be a huge excuse not to pay out, obtaining services by deception etc.
If it were me, and like I say Im no expert, then I would inform the endowment company that there was a typo error on their paperwork and infact your wifes dob is xx/xx/xxxx and hope that this doesnt have too great an impact on the policy - probably better than paying a policy that may never pay out! But please seek more expert advice on this, dont just take my word.
This isnt a judgement on you or your wife and it is rhetorical, but if you do decide to come clean, be very sure about your facts first.
So far you have obtained two birth certs for your wife - none of them agree with her version of her age/dob, are the other details correct? Is her name/place of birth correct or did she embelish those too?
You say you are married - she would have to have presented her birth cert to the vicar/registrar, which one did she give? are you even legally married?
What is your wife's explanation of this? how does she explain getting married with the wrong documents - or where they the right documents and both certs that you had are wrong?
She was down on her medical records as dob 1939 when I realised this I told them she was born in 1935. Why did I do this because I am STUPID !!! STUPID!!! How do I kick myself. Do you think I could change the date on her medical records again???
If you want to post links, create the post without that detail, then edit it in afterwards and it should go through...
Hi, we've noticed that you don't have a signature to remove. If you're not sure why please read the forum rules or email the forum team if you are feeling left out.
. My wife is now in ill health I sarted thinking about these endowment policies with the wrong birth date for her. What will happen when it becomes time for these to be paid out will I have problems?
Whilst a few of the other posters are thinking it's weird to lie about age for so long, I was kind of thinking it looks a bit weird that you're saying she's in ill health, with a laughing smiley after it.....
The Following 7 Users Say Thank You to alfiesmum For This Useful Post:Show me >>
Really you are just guessing what her DOB is. Before you tell anyone anything else FIND OUT WHAT HER DATE OF BIRTH REALLY IS. Where you married in the UK and was she born in the UK? Why is it relevant how much older than you she is? Maybe that is why she lied?
Last edited by patchwork cat; 06-11-2009 at 12:39 PM..
The Following 2 Users Say Thank You to patchwork cat For This Useful Post:Show me >>
First you need to find out what the CORRECT birthdate is - whether it's 1935/39/42 or something else.
Then you need to phone the insurance company & say "when consolidating some paperwork, it seems as though a number of my wife's documents show an incorrect birthdate - can I please confirm what date you hold for her ..." when they tell you you simply say "oh dear, that's another one that's incorrect. How do we go about correcting that?"
Don't ask if you can change it, just ask how you do it - subtle but important difference!
The Following 2 Users Say Thank You to goggle For This Useful Post:Show me >>
Jez what do you think Ove been doing at birthdays. I've been singing happy birthday and buying ruddy presents. What a useless comment!!!
I am presuming what Jez meant by that comment, Jez correct me if i'm wrong ....... how do you celebrate milestone birthdays, like 40th, 50th, 60th birthdays or do you treat them all the same ........
The Following 4 Users Say Thank You to picardygirl For This Useful Post:Show me >>
Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps. Take care over copyright. Use excerpts and links rather than copying long text. This site asserts copyright on all comments posted on the board.
Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.
my wife is not the brightest penny
Linear Mode
