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IndigoBlue_2

£150!? AHAHAH. I hope your dad told them to swivel, that is an insult. As someone has already said in court damages will be FAR greater than that, and right now your parents have them by the short and curlies. Absolute joke, 150 pahaha, what a ridiculous figure.

paddedjohn

Tazzie wrote: »

Thanks for your reply but it really isn't about the compensation, they just want the assurance that this guy has been severly reprimanded or preferably been sacked.

Why do you need a solicitor? you have been offered £150 which more than covers any loses you have incurred, you should take this and go straight to the police and report the fraudulent !!!!!!.
By involving courts etc you are only putting yourselves through more stress and lining the solicitors pockets.

lindos90

Tazzie wrote: »

It was TSB yes lindos

Doesnt surpirse me then, Agree with others who say police rather than solicitor, either way I hope what ever you do, it makes them accountable. Keep us informed of the outcome.

When i complained on behalf of my mum they didnt take it seriously really, is your case more serious as your parents did not sign at all, where as my mum 'signed', (but she was told it was to renew her debit card, but it was actually a credit card application form!)...or is it the letter he did to cncel your parents other insurance thats the main issue?

fluffnutter

Tazzie wrote: »

Thanks for your reply but it really isn't about the compensation, they just want the assurance that this guy has been severly reprimanded or preferably been sacked.

TBH, a reprimand doesn't go far enough. I'm not usually of the 'sack 'em all!' persuasion but in this instance I can't help think these are criminal actions. How a bank can continue to employ someone who's behaved like this is beyond me. He needs to be both sacked and investigated by the police. Shocking behaviour, frankly, and it needs to be dealt with properly.

Flyboy152

egbert101 wrote: »

The guy who phoned my mother said he had all the details in front of him which I presumed was normal for someone who worked at the bank.
However, after reading some of your responses, I'm not so sure now that he had the right to do that.

The DPA says that employees should only have access to information they require for their job. Therefore if he was selling insurance to non-existing customers he wouldn't have needed bank details - however he may have had them if using them as part of security questions on existing accounts, or his role may be varied and he serviced accounts as well as selling.

And setting up direct debits is part of that job.

Flyboy152

lindos90 wrote: »

Wasn't TSB was it? (mind you most banks pressure their staff by setting targets) My mum had a similar issue but that was with a credit card she didnt ask for or sign for, they were also trying to sell her home insurance too...

https://forums.moneysavingexpert.com/discussion/2869468

I blooming hope not, otherwise we have stepped into a time warp somewhere.

Tazzie wrote: »

It was TSB yes lindos

Are you sure?

Flyboy152

patman99 wrote: »

As the OP's parents already had a policy in place, it would have been an offence to have a 2nd one.
I had a similar problem when I changed my mortgage to C&G (part of LloydsTSB), got a insurance quote, but declined it as had superior cover with the Co-Op. Didn't stop them setting it up anyway. It wasn't until they sent me a renewal that I realised. C&G ended-up having to refund the intire year's policy costs plus lost interest.

What law would that come under?

Flyboy152

pompeyfaith wrote: »

The response you may get from the police is that it is a civil matter and thus nothing to do with them, but it is as it is fraud so you need to hammer that home to them also get a solicitor as soon as possible and if the police will not investigate let the solicitor know so they can sort that also as a letter to the police from a solicitor should get a better result.

Damages by the way are a lot more than £150 in a court and is why you need a solicitor the bank are now using damage limitation in the hope it will not go further.

If this did happen, the police would take something like this very seriously in deed.

Flyboy152

What I don't understand is, why cancel the other policy? That doesn't make sense.

halibut2209

As far as I know, you CAN have two policies, but it's a requirement to let each company know that you have another policy, and any payouts would be divided between them in proportion to the premiums paid.

If you failed to declare second policy, then you could end up with nothing should something happen.