Legal and General Life Insurance !!!! Up

LaurenOE

So I took out life insurance with Legal and General via Direct Line: Life Insurance, Critical Illness cover and £60 worth of M&S vouchers. Monthly payments via direct debit.

I filled in all the relevant paperwork when it arrived and returned it on time.

I noticed a few weeks later that 2 x direct debits had been set up for legal and general. I called to query and was told one was for life cover and the other for critical illness. OK I thought, makes sense.

I asked the helpful chap to remind me what the monthly payments would be. Worryingly he first quoted my annual premium as the monthly installments before (after me having a heart attack) he corrected himself.

So off I went thinking all was fine... until today.

2 x direct debits left my account for the full annual premiums.

One has bounced meaning I will be charged by my bank.

The other has left me with £0.91 in my bank account and no money to get to work tomorrow.

When I telephoned they stated that they could not help as the payment department had 'gone home' but fully admitted it should have been monthly installment.

I have been promised a call back at half past 9 tomorrow morning. I start work at 9am.

Should I take this further? What a nightmare!!!

Oh, and my M&S vouchers haven't turned up yet. Insult. Injury.

Quentin

Use the dd guarantee to get the money back in your account tomorrow

Phone your bank ASAP

Then make sure that you get reimbursed by l & g any charges you have had to pay over their error

LaurenOE

I never thought of the guarantee.

I guess if they prat around in the morning I will give the bank a call.

I think I'll have just enough petrol to free wheel it into work!

I'm jut gobsmacked at he lack of help they gave.

Quentin

Use the dd guarantee if you need money urgently

L & g won't get it to you tomorrow

LaurenOE

Will the bank require proof that the amount taken was incorrect? As this was the 1st payment there is no precedent for a payment amount.

Quentin

No


They must take your word.

If they don't immediately agree to you getting a refund tomorrow ask to speak to a manager and make sure he appreciates you are using the dd guarantee which is clear on your rights

LaurenOE

Thats great!

Thank you for your help!