GRE can't get my name right! What can I do ?

defender_of_the_weak

HLK

depends who sold it to you at the time, any recollections would help, lots of people have the wrong idea about pre-88 sales. Also not helped by a number/many claims companies telling people that they cannot claim, because the cases are a little harder to prove

HLK

It's such a long time ago but I remember what I was told at the time as the guy was trying to pressurise me to take out twice as much as I needed because I had a good income and my ex thought this was brilliant. Anyway I think the estate agent was Bridgefords ( or it could have been Reed Rains who both operated from the same shopfront at different times). They sold me a house, a morgage and an endowment - the mortgage was with Hambos bank and I think GRE were related to them at the time.

I did speak to Guardian in 2000 who said they no longer dealt with Hambros / Countrywide so I guess they'd been taken over. Received my first High risk in October 2003 and a Red High risk in 2004. I did check everywhere online a couple of years ago and it seemed I couldn't do anything because I bought in 1986.

Now, I spoke to whoever it was is resposible 2 years back but they just said on the phone - claim refused before I even got to finish a sentence and they did send me a letter to that effect but I think my husband may have shedded this - not his fault I just accepted nothing can be done 'life's a b!thch ' etc - but if there is still a chance I'd like to persue it - just look at the figures

August 1986 - Policy taken out tor £32000 iHomebuilder
August 2005 - Value of units 14626.00

last projected shortfall in August 2004 was £11900 @ 4% and 6800 @ 8%

I increased payment to 57.01 in 2001when they requested - maximum allowed without it going non-qualifying..

Thing is the guy said it was worth paying the extra because it woud definately pay off the mortgage and then some.

HLK

Bump - sorry to hijack this thread - I can raise another one if need be - can anyone comment ? Some threads seem to say pre 1988 is a no-go and others imply it depends. What's the criteria ?

dunstonh

If it is pre 29th April 1988 and the advice came from an independent or provider that hasnt signed up to accept Pre April 88 contracts, then there is no where to go. Some providers have agreed to review pre 88 contracts.

So, whilst technically, applications signed before 29th April 1988 are not covered, some of the providers will review these if they were sold by their own salesforce.

HLK

Thankyou - that clears things up for me.