Term Assurance etc......

[mgfboy]

Re: Term Assurance etc......

Will do thank you mgdboy.

Weird how I originally addressed to SW, so maybe it's all passed onto C&G now, the insurance adviser sold the policy directly in bank, so maybe it's a case of tracking down details of him as well, not sure.

There should be two files, one that the c&G adviser created and one with Scot wids.

The C&G one should have a copy of the app and the fact find and reason why letter, TOB etc and the Scot wids one will have a copy of the app and any other requests letters etc.

[di30]

Re: Term Assurance etc......

Insurance companies don't you just love them, this is the sort thing I have to put up with day in and out!!!!.

I think though I would put a formal request into Scot Wids as well, just incase.

Will do thank you mgdboy.

Weird how I originally addressed to SW, so maybe it's all passed onto C&G now, the insurance adviser sold the policy directly in bank, so maybe it's a case of tracking down details of him as well, not sure.

[mgfboy]

Re: Term Assurance etc......

Insurance companies don't you just love them, this is the sort thing I have to put up with day in and out!!!!.

I think though I would put a formal request into Scot Wids as well, just incase.

[di30]

Re: Term Assurance etc......

They did not say a lot really, just that the case will be dealt with the relevant dept, I asked who and was just told the dept that deals with cases like this!!!

[di30]

Re: Term Assurance etc......

Good idea that, thank you.

[mgfboy]

Re: Term Assurance etc......

IF you have the policy no's just ring the scot wids customer help line and see if they have the query logged,

[di30]

Re: Term Assurance etc......

A thought have come to mind, now the letter's are actually being sent from C&G not Scottish Widows, so yes it's possible they may be having difficulty in collecting the info.

[di30]

Re: Term Assurance etc......

In other words they are say they have lost the file!!!!!! ( or the file doesn't tie up!!!)

Lol was thinking the same.

Wonder if I should send them other relevant info I have?
Shall I do you think?

[mgfboy]

Re: Term Assurance etc......

In other words they are say they have lost the file!!!!!! ( or the file doesn't tie up!!!)

[di30]

Re: Term Assurance etc......

Received letter, not resolved yet, sent them all I could in relation to the issue, but as always they want more time lol.




Dear

Policy Number *******

Further to my previous letter, I am sorry you have not received a full response to the complaint you raised with us.

The reason we have not finished our investigation is because we're still in the process of collating information that will enable me to provide you with a full and complete response to your complaint.

We will write to you again within the next four week, with with our final decision or an update.

If you need to speak to us in the meantime, please call us on XXXXX XXXXXX

Yours sincerely

Customer Services.

[di30]

Re: Term Assurance etc......

Just re-read the letter again and it does say, be in touch in the next 4 weeks but they do have 8 weeks etc........the usual lark!

[di30]

Re: Term Assurance etc......

No updates up to yet, I expect it will go the full 8 weeks.

[di30]

Re: Term Assurance etc......

Almost forgot to post on this one.

They have wrote back to say this matter is being looked into.

[di30]

Re: Term Assurance etc......

Postie been, not yet received an acknowledgement letter from Lloyds, hopefully sometime this week.

Think it did state on their website they will send a letter within 5 days, and obviously if they are unable to deal with it right away, they will let us know.

"
We are committed to providing products and services of the very highest standards. If you feel that we haven’t lived up to your expectations in any way, we’d like to know so we can put things right for you.
We’ll do all we can to resolve your complaint by the end of the next business day. If we can’t do this, we’ll write to you within five working days to tell you what we’ve done to resolve the problem, or acknowledge your complaint and let you know when you can expect a full response. We’ll also let you know the name and contact details of the person or team dealing with your case"

[di30]

Re: Term Assurance etc......

HI Di

If you disclosed all the family conditions on the app, unless the underwriter rated or put exclusions on the policy when it was issued. The normal policy conditions would apply, what are you trying to prove or find out???

Also the critical illess condition would probably be the same between the level and decreasing term, it is with most insurers. But bank assurance is a law unto it's self!!!!

As for the file ,I would have thought they should still have a copy of the KFI on it.

Hiya

I found one of the policy details, and it says to refer back to key features and exclusions, which I could not find for that actual policy, so if they are the same and nothing's changed, then I do not see any need in searching for it.
Thank you.