Assurant solutions insurance

jamieT_3

was just wondering if any1 has had any problems or knows of any websites with bad reviews ect for assurant solutions. they have miss sold me a payment protection and mortgage protection insurances many thanks in advance

maxdp

jamieT wrote: »

was just wondering if any1 has had any problems or knows of any websites with bad reviews ect for assurant solutions. they have miss sold me a payment protection and mortgage protection insurances many thanks in advance

Soz never heard of that one.

dunstonh

they have miss sold me a payment protection and mortgage protection insurances

They dont operate any advisers or sales reps so how did they mis-sell it?

You buy from them. They dont sell it.

jamieT_3

dunstonh wrote: »

They dont operate any advisers or sales reps so how did they mis-sell it?

You buy from them. They dont sell it.

got it via a broker that went direct to them solicitor and ombudsman have said got a very good case and ombudsman doing final details just wanted to no if any1 has had probs

dunstonh

got it via a broker

So the liability is with the broker. Not Assurant.

solicitor and ombudsman have said got a very good case

FOS always say that. Yet they reject 2/3rds of cases.

jamieT_3

dunstonh wrote: »

So the liability is with the broker. Not Assurant.


FOS always say that. Yet they reject 2/3rds of cases.

but solicitor aswell

dunstonh

but solicitor aswell

Having put a complaint in against a solicitor two weeks ago who gave a mutual client bad advice I wouldnt assume they are right. (in my case, the solicitor got the product type wrong, made all sorts of incorrect assumptions and was then foolish enough to put it in writing and as a result the client now has to face costs which they wouldnt of done. The solicitor clearly didnt know much about financial services). Does your solicitor know the FSA rules and who carries liability as it appears he doesnt from what he has told you.

The rules on advice cases are quite clear. If is the adviser that carried the liability for the recommendation of the product. Not the provider. The provider only carries liaibility in the servicing of that product (i.e. in the event of a claim you dont agree with their response). If your complaint is that the product is unsuitable then its not the liaiblity of the provider as they didnt tell you it was. It was the adviser that did.

As you say it was mis-sold, then the complaint should be against the "seller".

maxdp

dunstonh wrote: »

Having put a complaint in against a solicitor two weeks ago who gave a mutual client bad advice I wouldnt assume they are right. (in my case, the solicitor got the product type wrong, made all sorts of incorrect assumptions and was then foolish enough to put it in writing and as a result the client now has to face costs which they wouldnt of done. The solicitor clearly didnt know much about financial services). Does your solicitor know the FSA rules and who carries liability as it appears he doesnt from what he has told you.

The rules on advice cases are quite clear. If is the adviser that carried the liability for the recommendation of the product. Not the provider. The provider only carries liaibility in the servicing of that product (i.e. in the event of a claim you dont agree with their response). If your complaint is that the product is unsuitable then its not the liaiblity of the provider as they didnt tell you it was. It was the adviser that did.

As you say it was mis-sold, then the complaint should be against the "seller".

Hi Dunstoh

Thank you for explaining that to us all. We have had same advise on here often so it is good to remind ourselves. Also your comments about the Solicitor are worth us keeping in mind. Thank you;)