Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

honey2_2

pinknico wrote: »

Busbyh does the loan agreement say "joint life cover and single accident ,illness and redundancy/business failure cover for first borrower?

What accident cover??

If you are involved in an accident and loose a limb - you are not ill due to an ilness you are ill due to an accident- does that make sense.

Honey 2 x

pinknico

policy cancelled in month 12: 13% of premium refunded
"""""""""""""""""""""""""""""""""""24: 10% of premium refunded

after 36 months no rebate due to NCB (even if not allegable for NCB due to arrears)

honey2_2

marshallka wrote: »

So if you cancel do you then get a rebate against the insurance as well?? What happens at cancellation cause they would really have to give you back at least 78% of the unused PPI too if the policy is still in force and cancelled? This could work out you get the full policy back and all repayments made to date, the NCB, the 78% pro rata rebate or more......

In Jan 2008 I queried xc of the PPI I was quoted a refund of £1600.

Honey 2 x

busbyh

pinknico wrote: »

Busbyh does the loan agreement say "joint life cover and single accident ,illness and redundancy/business failure cover for first borrower?

What accident cover??

Accidental Death Cover is on the last page.

the agreement states as you have said above but it says first named borrower, so it is whoever is 1st named on the agreement, irrelevant as to whom you wanted covered


post if you need anything else:beer:

dialysis

Is there actually anythin you are covered for if you are under 65:mad::mad::mad:

pinknico

honey2 wrote: »

If you are involved in an accident and loose a limb - you are not ill due to an ilness you are ill due to an accident- does that make sense.

Honey 2 x

Thanks Honey2, I just cant find the part of the policy that covers my OH if he has an accident!

honey2_2

dialysis wrote: »

Is there actually anythin you are covered for if you are under 65:mad::mad::mad:

Death - as long as it is not with a pre-existing condition!!!!

Honey 2 x

pinknico

busbyh wrote: »

Accidental Death Cover is on the last page.

the agreement states as you have said above but it says first named borrower, so it is whoever is 1st named on the agreement, irrelevant as to whom you wanted covered


post if you need anything else:beer:

so accident is accidental death and he wasnt covered for that either????:mad::mad: As he is under 65. For goodness sake.:mad:

dialysis

I also think that according to our financial adviser if we had been told by Picture only first maned borrower was covered for everything we should have been asked who was to be first named on policy.:mad::mad::mad:

honey2_2

pinknico wrote: »

Thanks Honey2, I just cant find the part of the policy that covers my OH if he has an accident!

Is it not the 1st named customer that is covered but both for life cover only

Honey 2 x