Double house insurance :(

Niksan

First off, kudos to the site, saved me loads over the last few months, one of which has made mean some serious poop with my house insurance.. let me bore you first with the details.

I originally got a mortgage for my house with C&G via lloyds, all done in my branch.. all ok.. had two payments, one for the mortgage and one for the house insurance.

A few years later I got a remortgage, same scenario. however after coming to this site, I saw the light and went with a third part insurer, informed the mortgage lender and told them to verify in a letter that I had cancelled, however, I get the letter this morning and was shocked to see that my mortgage repayment had lowered, I thought this as odd as I have a seperate LTSB CI MORT on my bills, so going with this letter, I rang up phone banking with Lloyds, now they're just fobbing me off onto their collegues, who are actually a third party insurer and aren't open at the moment.. however, I though I'd ask you guys what legal standing I have because I obviously have been paying a dual home building/contents insurance for years, and both my mortgage and remortgage were from the same provider so surely it can't be me that was in thw wrong ?

I feel totally sick inside as I've been ripped off for thousands over the years and what with the legality of it all..

What should I do apart from getting the extra one cancelled first thing in the morning, do I have any legal standing to recoup any monies ? as it was clearly and error on lloyds/C&g

I appreciate any advice.

Regards,

Nik

regularsaver1

I don't get how you did not know about this payment?

anyhow as they now know there are two polices, you should be able to get a refund backdated to the date , hopefully - but then it is Lloyds (not much hope for them)

Niksan

I didn't know it was embedded into the mortgage, I knew about the second payment, I see it on my statement every month, I didn't know it was bundled into my mortgage repayments until I got the letter stating what my new payments would be, I've only ever received one renewal quote as well, so no sirens triggered until I got this letter. To me, it's like when you use some broker to get some car insurance, they kind of "forgot" to cancel the other policy so both run concurently.

regularsaver1

You should be ok if you prove the other insurance was in place

Niksan

Yeah thanks, I just kinda lost it when I read the letter feel a bit calmer now, should be no worries proving it as C&G organised it all.

Cheers again.

Niksan

OK, I'm an idiot after going through so many documents in the last two hours, it turns out it was my PPI :T now to get MSE to make it cheaper thx