Mis-sold general insurance?

DeeDeeGy

I have attempted twice to reclaim for a general insurance which I claim was sold to me without my knowledge. This was done in 2000 and I've had £6.50 per month taken ever since. When I contacted the bank to find out who the insurance was with I was passed on to the bank's insurance people. I explained that I couldn't remember taking out this insurance had never seen any papers for it or even knew what it was for, the man told me it was for general insurance in case I was off work or was ill and he sent me a copy of the policy. As I have an existing medical condition I would not have been able to make certain claims and in many ways the selling of this EVEN THOUGH IT WAS NOT AGAINST A LOAN OR CREDIT CARD appears to have been mis-sold to me. I have tried twice to claim back the money paid out but have got nowhere. It fits the mis-selling in so many ways though... Has anyone else had a similar experience and how did you do? I'd appreciate any comments, thanks!

dunstonh

As I have an existing medical condition I would not have been able to make certain claims

Emphasis on the "certain claims" bit. Having a medical condition does not automatically void the policy. It may just restrict it in medical conditions related to the pre-existing condition. In those cases, the policy is considered acceptable.

in many ways the selling of this EVEN THOUGH IT WAS NOT AGAINST A LOAN OR CREDIT CARD appears to have been mis-sold to me.

Many people protect there income without having it linked to a card or loan. Indeed, that is actually the better way to do it as it is more cost effective.

I have tried twice to claim back the money paid out but have got nowhere. It fits the mis-selling in so many ways though...

You haven't indicated any reason for mis-selling. Why do you think it is?

marshallka

DeeDeeGy wrote: »

I have attempted twice to reclaim for a general insurance which I claim was sold to me without my knowledge. This was done in 2000 and I've had £6.50 per month taken ever since. When I contacted the bank to find out who the insurance was with I was passed on to the bank's insurance people. I explained that I couldn't remember taking out this insurance had never seen any papers for it or even knew what it was for, the man told me it was for general insurance in case I was off work or was ill and he sent me a copy of the policy. As I have an existing medical condition I would not have been able to make certain claims and in many ways the selling of this EVEN THOUGH IT WAS NOT AGAINST A LOAN OR CREDIT CARD appears to have been mis-sold to me. I have tried twice to claim back the money paid out but have got nowhere. It fits the mis-selling in so many ways though... Has anyone else had a similar experience and how did you do? I'd appreciate any comments, thanks!

You say sold to you without your knowledge? You also state that you had no terms and conditions or paperwork for the insurance?

What sort of insurance was this and how was it sold to you? If its not attached to a loan or a credit card and the money comes out of your bank I assume who actually authorised it to come out?

If it truely was given to you without knowledge and you had no paperwork then to me its more than likely missold.

dunstonh

If it truely was given to you without knowledge and you had no paperwork then to me its more than likely missold.

Possibly but back in 2000 you typically still had signatures on applications.

Just because the OP has forgotten and cant find any of the paperwork that was issued, does not mean it was mis-sold. This is probably why two previous complaints have been rejected.