Mortgage PPI from 2004

[Never-In-Doubt]

Re: Mortgage PPI from 2004

The insurance was D & D Homecare, but claims went through Adminacle and I believe both are part of the Assurant group!

Ok but who was their insurer. They are not an insurance company (or are / were they)?

Usually firms are are underwritten by a main insurer. I'd bet it's Legal & General.

[Stressedoutmum]

Re: Mortgage PPI from 2004

Are you using internet explorer by any chance? Are you using windows, XP, 7 or 8?

That might be why you're having IT issues. I'll post back later once you reply.

Yes windows 7 internet Explorer

[Stressedoutmum]

Re: Mortgage PPI from 2004

Ok but who was their insurer. They are not an insurance company (or are / were they)?

Usually firms are are underwritten by a main insurer. I'd bet it's Legal & General.

Says on policy document underwritten by Bankers Insurance Company Limited

[Never-In-Doubt]

Re: Mortgage PPI from 2004

Yes windows 7 internet Explorer

thats the issue. It's not AAD. Try using Chrome or Firefox. Much better browsers than IE.

Details -> https://msdn.microsoft.com/library/h...(v=vs.85).aspx

[Never-In-Doubt]

Re: Mortgage PPI from 2004

Says on policy document underwritten by Bankers Insurance Company Limited

these -> http://www.ifa-guide.co.uk/buckingha...ted-17837.html

if they were regulated then you can claim.

[Never-In-Doubt]

Re: Mortgage PPI from 2004

I still think D&D were reps of L&G

did you have lifestyle cover?

see this -> http://www.legalandgeneral.com/advis.../get-in-touch/

notice second section "Claims" - last option

[Stressedoutmum]

Re: Mortgage PPI from 2004

Did a search on the register and this is what I got

http://www.fsa.gov.uk/register/firmR...r.do?sid=56646

Says Assurant General Insurance

[Stressedoutmum]

Re: Mortgage PPI from 2004

thats the issue. It's not AAD. Try using Chrome or Firefox. Much better browsers than IE.

Details -> https://msdn.microsoft.com/library/h...(v=vs.85).aspx

Chrome working a treat!

[Never-In-Doubt]

Re: Mortgage PPI from 2004

Did a search on the register and this is what I got

http://www.fsa.gov.uk/register/firmR...r.do?sid=56646

Says Assurant General Insurance

Great - send a letter to the insurer (you CAN claim from the insurer you know?) and ask "can you clarify that you underwrote a policy I held between DATES" and provide additional info such as policy number / name / address - be vague. All you need is clarity at this stage. If they confirm then you send them a SAR

Assurant General Insurance
Unit 1
Emerald, Westmere Drive
Crewe
Cheshire
UNITED KINGDOM
CW1 6UN

[Stressedoutmum]

Re: Mortgage PPI from 2004

I still think D&D were reps of L&G

did you have lifestyle cover?

see this -> http://www.legalandgeneral.com/advis.../get-in-touch/



notice second section "Claims" - last option

We were covered for disability and unemployment. When I say 'we', it was actually only my husband as he was the main earner, thouggh the policy was in both names!

[Stressedoutmum]

Re: Mortgage PPI from 2004

Great - send a letter to the insurer (you CAN claim from the insurer you know?) and ask "can you clarify that you underwrote a policy I held between DATES" and provide additional info such as policy number / name / address - be vague. All you need is clarity at this stage. If they confirm then you send them a SAR

Assurant General Insurance
Unit 1
Emerald, Westmere Drive
Crewe
Cheshire
UNITED KINGDOM
CW1 6UN

Yes, I wrote to Assurant General Insurance back in Feb 2013 and got a letter back from Assurant Intermediary who confirmed, and I quote ' Assurant General Insurance Ltd are the policy underwriters only and as such are not responsible for any aspect of the sale'.....'it should also be noted that AGIL does not hold regulatory permissions to sell. Our permissions extend to being authorised to effect and carry out contracts of insurance. Consequently as AGIL's authority does not extend to selling activities, it is not actually possible for us to appoint a third party to act as our agent for this purpose. To do so would be unlawful'. I wrote back again after speaking to di30 and they replied basically regurgitating the same rubbish, which is why I felt they hadn't even done any sort of investigation. That is when I took it to the Ombudsman asking them to look at their involvement as the underwriter.

[Stressedoutmum]

Re: Mortgage PPI from 2004

I thought this was interesting. Thought I'd have a look on the FOS website and saw that they publish their Ombudsman decisions. I searched for Assurant and found this complaint which they upheld. Although it doesn't give all the details, it is remarkably similar to my case, even down to the fact it was prior to 2005 and the 'seller' is no longer trading, but Assurant accepted responsibility! God I feel like showing the FOS this and saying why are Assurant not taking responsibility for my complaint? Actually thinking about it, shouldn't I bring this to the FOS attention? Assurant admitted to me that they did not appoint 'agents' to sell their products, so if they accepted responsibility for this sale should they not also accept it for mine. Then the FOS can rule on whether the policy was missold or not?

http://www.ombudsman-decisions.org.u...x?FileID=70996

http://www.ombudsman-decisions.org.u...x?FileID=61050

[PlanB]

Re: Mortgage PPI from 2004

When I say 'we', it was actually only my husband as he was the main earner, thouggh the policy was in both names!

Was/is the mortgage in both names?

(Sorry I should know that but I haven't made time to read back through your thread).

Plan B x

[Stressedoutmum]

Re: Mortgage PPI from 2004

Was/is the mortgage in both names?

(Sorry I should know that but I haven't made time to read back through your thread).

Plan B x

Yes it was in joint names. My husband was deemed to be the main earner and in a less stable job. That was recommended by the mortgage adviser.

[PlanB]

Re: Mortgage PPI from 2004

it was in joint names. My husband was deemed to be the main earner and in a less stable job. That was recommended by the mortgage adviser.

Do you still have a copy of your mortgage application ?

That would be my starting point if this was an "advised" sale.

Plan B x