**Deleted**

_Andy_

Baz1104 wrote: »

If the OP was abusive, then rise above it, this is a quality forum, don't get involved in squabbles, saying "Next" makes you look like you enjoy conflict.

I really couldn't care less what you think but thank you anyway for your pointless intrusion into the thread.
next!

magpiecottage

He'll probably go off to CAG, try to take the firm to FOS and court and with a bit of luck get done for perjury.

Temas

I wasn't going to respond but I'm going to clear this up once and for all.

In my original post I was asking for suggestions on who I should contact if I suspect that I have been mis sold insurance. I didn't go into any detail about my reasons for believing that I had been mis sold insurance because those details are personal details regarding my disabilities.

Whether it was meant to be or not, I interpreted the first reply as fairly patronising, so I responded with an equally abrupt response saying, 'Thanks for telling me nothing I didn't already know.' There is nothing abusive about this or anything I said on this thread.

After that I received a barrage of criticism and accusations that I am attempting to commit fraud, which there is absolutely no grounds for because I have not disclosed any details about my case.

I never did get an answer to my original question and I'm now not even going to ever visit this site again. Sadly, I think this thread will probably deter other people who suspect they have been mis sold insurance to ask for advice, for the fear that they will be slandered as attempting to commit fraud.

dunstonh

Whether it was meant to be or not, I interpreted the first reply as fairly patronising, so I responded with an equally abrupt response saying, 'Thanks for telling me nothing I didn't already know.' There is nothing abusive about this or anything I said on this thread.

There is nothing patronising about #2. Your response was rude.

After that I received a barrage of criticism and accusations that I am attempting to commit fraud, which there is absolutely no grounds for because I have not disclosed any details about my case.

You have two plans which are medically underwritten at point of sale (neither PPI - being medically underwritten also means all health issues are taken into account) and the jist of your first post was that you thought they were a waste of money because you had not claimed. Therefore you wanted compensation. Both plans were put in place under an advice process involving a factfind, needs analysis and report (again not not PPI).

I never did get an answer to my original question and I'm now not even going to ever visit this site again. Sadly, I think this thread will probably deter other people who suspect they have been mis sold insurance to ask for advice, for the fear that they will be slandered as attempting to commit fraud.

You have not given any indication of mis-sale. Everything you posted indicated what you had was correct for you (e.g. using PHI instead of PPI was spot on in your circumstances). Yet because you hadnt claimed you want compensation. Therefore, I stand by the accusation that you are looking to make a fraudulent/try-it-on complaint. You were not slandered (not possible). However, you did possibly commit libel by naming the firm and making accusations against them.

Thankfully, you will not get anywhere as you bought the insurances before regulation came in. So your frivolous complaint wont get you anything.

~Brock~

From what I remember of your original post - the one you deleted - you said something like that you thought it would be 'sensible / a good idea' to protect your mortgage, which clearly implies that you made a concious choice to buy the policy.

Just because several years later you have not been unfortunate enough to need to make a claim is not reason to now expect to be able to reclaim the premiums, because you appear to have had the benefit of the cover you have paid for....

To put in a complaint in these circumstances will require you to make some form of accusation against the person or firm who provided you with the policy. This is why you are getting the sort of responses you have so far......and I am not surprised, because the people responding are professional advisers who have to deal with these sort of 'try it on' complaints that appear to be driven by nothing more than a media driven belief that every single protection policy must have been missold and is therefore reclaimable. I bet you think that you are missing out on something?

It is not as simple as that and by putting in a false claim you are playing with people's livelyhoods because not only are complaint levels recorded by the FSA but also they cost the person / firm concerned up to £500 per case at FOS.

Also you might like to check out Section 2 of the Fraud Act 2006 (fraud by false representation) for the reasons why the word 'fraudulent' was used by other posters.

Whilst no one really gives a to$$ about the cost to the banks for these sort of false claims (wrongly in my view because we all end up paying in the end...) when you are talking about smaller firms and individuals then these costs can mean the difference between staying in business or not.

If a compalint is genuine then fair enough, but from the limited information you gave...before you indignantly deleted it...you had no cause for complaint.

Baz1104

_Andy_ wrote: »

I really couldn't care less what you think but thank you anyway for your pointless intrusion into the thread.
next!

Please accept my apologies for intruding, in my defence I wasn't made aware at the time of registering that posting on threads are by invitation only...I bow down to your superiority.

_Andy_

Baz1104 wrote: »

Please accept my apologies for intruding, in my defence I wasn't made aware at the time of registering that posting on threads are by invitation only...I bow down to your superiority.

Good, that's better. Next

magpiecottage

~Brock~ wrote: »

It is not as simple as that and by putting in a false claim you are playing with people's livelyhoods because not only are complaint levels recorded by the FSA but also they cost the person / firm concerned up to £500 per case at FOS.

Not only that but the time commitment to them for the firm is very high. It either prevents them from doing the profitable work they are in business for or they have to pay somebody like me to do it for them. Much as I can use the money, they should not have to pay me to defend them against fraud.

when you are talking about smaller firms and individuals then these costs can mean the difference between staying in business or not

Absolutely - why should honest advisers be put out of business and in some cases hounded to the grave by greedy and fraudulent former customers?

I will support those with a genuine grievance but I will not support unjust complaints.

Baz1104

_Andy_ wrote: »

Good, that's better. Next

You're welcome...please keep up the good work, and continue to demonstrate those fine examples of forum etiquette.

~Brock~

Baz1104 wrote: »

You're welcome...please keep up the good work, and continue to demonstrate those fine examples of forum etiquette.

!!!!!! get a room you two :rotfl: