Not too good news with my packaged reclaim/FOS

[di30]

Re: Not too good news with my packaged reclaim/FOS

I am now wondering if they are shortly to be coming to the conclusion of this, in regards of the comments sent last week of the emergency home cover, just had an email now, as he wants to double check on this.........here.

Dear Mr and Mrs

Thank you for your email and the attachments. I confirm that these have been added to the case file and will be available to the ombudsman.

You have explained that you had no use of the Home Emergency cover provided with the Premier account because you already held cover elsewhere at the point of upgrade. You have reiterated that the account was upgraded in branch by advisor to rectify payment difficulties and at this point the details of the account were not explained.

Please let me know if my summary of your response to the queries is incorrect. If you intend to submit any further information, please let me know.

Yours sincerely


Adjudicator| Fi
South Quay Plaza |

[cookie2112]

Re: Not too good news with my packaged reclaim/FOS

Good luck Di, keeping my fingers crossed for you! x

[di30]

Re: Not too good news with my packaged reclaim/FOS

Good luck Di, keeping my fingers crossed for you! x

Thank you x

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

I'd say your summary is spot on adjudicator but then I also recall spelling that out myself as did Di on her complaint.

Tool

Di - your reply will be "spot on" lol

[di30]

Re: Not too good news with my packaged reclaim/FOS

Lmao!!! yes and i couldnt have been more clearer LOL!!...... cheers Niddy lol...

[di30]

Re: Not too good news with my packaged reclaim/FOS

The copy of the cover sent from Aviva/NU was also provided on my comments last week LOL, this shown the yearly cover from Nov 2006 to Nov 2007, as we know its yearly and i had been with NU since Nov 2003, before that we did have lloyds cover from the mid 90's to 2003.

I know he just checking but surely by them checking that cover was already in place they could see that we would not want to take out the Premier just for the sake of the Home emergency cover lol. (I think Lloyds are running out of things to add now too) but the loan we had then as well, certainly was not preferential rates....

But we shall see, still have an open mind, as anything can happen where the FOS comes into it lol!

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

In honesty this *should* fall in your favour

[di30]

Re: Not too good news with my packaged reclaim/FOS

Thanks Niddy, fingers crossed.

[di30]

Re: Not too good news with my packaged reclaim/FOS

Going round in circles but there we go, it maybe because they are finally coming to the conclusion of this, so making sure lol.

The email received wanted to make sure on the insurance being within the account or stand alone, the one taken out with lloyds in Oct 2007, we had taken out House Cover insurance in place of Aviva as stated in 2007, maybe they trying to twist and catch me out lol, but it was stand alone covers we held, Aviva from 2003 to Nov 2007 and Lloyds Oct 2007 to 2009, absolutely nothing to do with the account, as said to them a trillion times now, well it feels like it lol........

Dear Mr and Mrs

Further to my earlier email, I have a quick query.

You have confirmed that you held Lloyds Home Emergency cover from October 2007 onwards. Could you please confirm whether this is the cover provided by the account or a standalone policy?

I would please ask that you respond as soon as possible.

Yours sincerely

J
Adjudicator| Financial Ombudsman Service
South Quay Plaza |

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Tell him in plain English. Spell it out (again) you must drill this argument home that YES you had a policy in place so why on earth would you or any other fool for that matter take a second policy out?

[di30]

Re: Not too good news with my packaged reclaim/FOS

Tell him in plain English. Spell it out (again) you must drill this argument home that YES you had a policy in place so why on earth would you or any other fool for that matter take a second policy out?

LOL thanks Niddy and have done that.......
Sounds like he's got himself confused lol....

[di30]

Re: Not too good news with my packaged reclaim/FOS

Today received an email to send a copy of when we taken out the stand alone policy via Lloyds, so they already have the Aviva copy and now I have also sent a copy of the lloyds cover to prove all stand alone.

email here;

Dear Mr and Mrs

Thank you for your prompt response. Could you please send a copy of the insurance schedule or any other documentation, showing that it is a standalone policy, so that I can give this to the ombudsman?

I would please ask that you send this as soon as possible and by 9 April 2014 at the latest.

Yours sincerely

J
Adjudicator| Financial Ombudsman Service

[di30]

Re: Not too good news with my packaged reclaim/FOS

In regards of the email received this morning from adjudicator, I sent our own policy agreement cover etc, I had done that after he requested for this earlier, now online i also found the documents its related to from what i can make out, do you suggest i send this too? Thanks.

http://www.insurance.lloydstsb.com/m...y_Document.pdf

[di30]

Re: Not too good news with my packaged reclaim/FOS

Email from fos just now to ask if i have the actual policy booklet details of lloyds insurance cover, but I could not find this when looking the other day, they did however receive the copy of the details of my policy though to show everything covered etc a few days ago, so the other day i posted the above link of the details via lloyds but unsure now if it would be the same one or now? anyway email here'

Dear Mr and Mrs

I email further to our previous correspondence regarding the standalone home insurance policy you held with Lloyds. If you still have a copy of the policy booklet for the insurance, would it be possible to scan and send this by email? If this a long document, a copy of the relevant pages which state the potential cover available under the insurance would be helpful.

I ask because, the ombudsman may need to compare this to the cover offered under the home instance cover provided under the account.

Please do let me know if this will be possible.

Yours sincerely


Adjudicator| Financial Ombudsman Service

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Just send the link and say "that's all you have at present"..... ie you don't have the booklet but here's a link