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Please advise banging head against brick wall
Sallyford23
Posts: 2 Newbie
Hi
Just wondered if anyone can help, it's a long story but I will try and keep it short.
Used Mortgage advice service for our mortgage and they mis sold us a accidental illness policy through commitments for £2448, we understood this was for the term of our mortgage but found out it was only for 3 yrs and was a single premium policy, this was in 2006.
Rang ombudsman and found out they had gone bust and were now Keater ltd so would have to make claim through them, ombudsman directed us to the FCSC, before I rang them I spoke to commitments protection ltd and they confirmed that the policy had ran for full 3 yrs and I needed to claim premium back through MAS.
Went to Fscs and sent all relevant information, and after various letters the saga now is that Commitments has liquidated and that Assurant intermediary,
They have informed the Fscs that the policy was cancelled but cannot say if a refund was given as When they took over Commitments policies apparently commitments had a computer virus so assurant have limited information about my policy!
Right time for juicy bit,,, the FSCS have now said that they cannot up hold our claim as Assurant told them it was cancelled but could not say when etc and they basically said no money was paid to commitments by ourselves, our solicitors ledger clearly shows it was and at no point have we had a refund, so because they said it was cancelled (which it wasn't) HELP thanks
Just wondered if anyone can help, it's a long story but I will try and keep it short.
Used Mortgage advice service for our mortgage and they mis sold us a accidental illness policy through commitments for £2448, we understood this was for the term of our mortgage but found out it was only for 3 yrs and was a single premium policy, this was in 2006.
Rang ombudsman and found out they had gone bust and were now Keater ltd so would have to make claim through them, ombudsman directed us to the FCSC, before I rang them I spoke to commitments protection ltd and they confirmed that the policy had ran for full 3 yrs and I needed to claim premium back through MAS.
Went to Fscs and sent all relevant information, and after various letters the saga now is that Commitments has liquidated and that Assurant intermediary,
They have informed the Fscs that the policy was cancelled but cannot say if a refund was given as When they took over Commitments policies apparently commitments had a computer virus so assurant have limited information about my policy!
Right time for juicy bit,,, the FSCS have now said that they cannot up hold our claim as Assurant told them it was cancelled but could not say when etc and they basically said no money was paid to commitments by ourselves, our solicitors ledger clearly shows it was and at no point have we had a refund, so because they said it was cancelled (which it wasn't) HELP thanks
0
Comments
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"Accidental Illness" policy?
Hardly PPI and much harder to show as mis-sold. Can't help with your FSCS problem, other than to say the Solicitor's Ledger is obviously not proof that the insurance wasn't cancelled.0 -
No not proof it was cancelled but proof it was paid! They are saying we didn't pay the premium so to me that is proof enough it was, but as they have lost my information because of a virus, which surely they should have backed up all the data under the data protection act 1998, assurant cannot say for sure if we had a refund, I can prove we didn't with bank statements but FSCS say that's not enough0
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