Fairmead / L&G

Hi,
 I have been paying for sickness and redundancy cover for my endowment mortgage since 1997. I have just contacted them to send through my policy documents as my DD has some life changing issues and I wondered if I was covered. L&G can’t find any policy related to me, if they can’t find anything am I entitled to a refund of the payments made ( this would help if I can’t claim on the insurance) or am I being a bit optimistic.

Thanks.

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242
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    If they can't find anything relating to you , they won't find any payments to refund.

    Submit a SAR to see what they can turn up.
  • flipper_72
    flipper_72 Posts: 671
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    edited 1 March 2021 at 12:58PM
    Thank you, I have realised they might still have my maiden name so I have asked for details under that name, if that is also fruitless I will send an SAR. There has to be something on me, they take the DD every month!

    edit in 1st post  DD was daughter, in this post direct debit :/
  • dunstonh
    dunstonh Posts: 115,608
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    L&G can’t find any policy related to me, if they can’t find anything am I entitled to a refund of the payments made ( this would help if I can’t claim on the insurance) or am I being a bit optimistic.
    L&G is a company that operates different divisions.  Each will only be able to find records in its own area.   L&G do motor and household insurance as well as ASU, life assurance, CIC, PHI.pensions plus many others.
    The life assurance arm wont know what the home insurance arm has on you.  So, they wont refund like that.




    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • flipper_72
    flipper_72 Posts: 671
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    I went through the fairmead website which had a form to send the query to, the response is from an L&G email address. Hopefully it will be found now I have given them my maiden name.
  • dunstonh
    dunstonh Posts: 115,608
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    L&G have been splitting their business book up.  Fairmead is the name used by Liverpool Victoria Friendly Society (LV) for the portion of the book they have bought from L&G.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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