Term Assurance etc......

[di30]

Re: Term Assurance etc......

Received an email to confirm they received the acceptance form, because it was not showing up or confirming this on track and trace, the manager have stated that the money have also been processed today and it should be in the account by the early part of next week, if not then to contact him to let him know.

Dear

Thank you for your email.

Your acceptance form has been received safely and will be processed today. This means you should receive payment by the early part of next week.

I also checked the Royal Mail tracking service which does not appear to have been updated.

Do let me know if you do not receive the payment next week.

Yours sincerely


Manager, Customer Services
Lloyds TSB

[di30]

Re: Term Assurance etc......

Glad to see you got what you wanted

The fact that we proved that we already had that particular cover in place elsewhere even when told that we had to take out their particular one through them (thankfully still have the same cover in place but updated it when we taken out the remortgage) with the same ones, we did not require another.

But as said, mortgage issues I am damn hopeless with lol.

Cheers.

[mgfboy]

Re: Term Assurance etc......

Glad to see you got what you wanted

[di30]

Re: Term Assurance etc......

Just re-read and on the acceptance form it confirms the total amount is that of the 20% already deducted, so cannot grumble.

[di30]

Re: Term Assurance etc......

Well done Di on the refund matey

I'm unsure of the tax element, hopefully someone can advise further xx

Thank you so much..

Am surprised to receive it back to be honest. Xx

[IF]

Re: Term Assurance etc......

Well done Di on the refund matey

I'm unsure of the tax element, hopefully someone can advise further xx

[di30]

Re: Term Assurance etc......

Verdict! Upheld!

How it works out:

Refund premiums paid from 26 June 2007 to 6 April 2009 £968.66
Add Interest from 26 June 2007 to 16 May 2009 £247.26
Add payment for distress and inconvenience £50.00

Bringing the total payment to = £1,265.92

Offer includes an interest payment which we have deducted income tax of 20%. If you are a non-tax payer you may be able to reclaim all or part of this tax.
However, if you are a higher taxrate payer you will be liable for the higer tax.

This offer is made in full and final settlement of your complaint.

(Right, so if anyone else can just confirm here, they have already deducted the tax which have given that left of the interest as listed above)?
It looks that way but just would be happy if someone else agrees or not?

Thank you.

[di30]

Re: Term Assurance etc......

As posted in above post, letter..........

Dear

Policy Number ********

Further to my previous letter I am sorry you have not yet received a full response to the complaint you raised with us. We are still currently looking into it.

We hope our investigations will be completed shortly, so that we can send you our full written response.

As it has been eight weeks since you first made your complaint, you now have the right to refer your concerns to the Financial Ombudsman Service. I have enclosed a leaflet which provides full details of the service and how you can contact them.

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

Yours sincerely

Customer Services

[di30]

Re: Term Assurance etc......

Letter arrived in post today, dated 18 April 2012.

Just to clarify they still currently looking into this matter, but I do have the right to take the steps to the FOS now if I want to as 8 weeks have passed.
They did confirm they will be writing back with a decision but no timescale given.

Will give them the benefit of the doubt on this one, another 2 weeks, then it will be all from there.

Really do not know what they find difficult about this one really, it's not exactly a PPI matter lol.

[di30]

Re: Term Assurance etc......

I worked it out, on their letter it says 4 weeks, that was 4 weeks yesterday that I should have heard, but better be a bit more lenient I think lol
Will give another week, then the chase is on if nothing heard by then.

[di30]

Re: Term Assurance etc......

Should hear something soon on this I think, even though we received letter of the mortgage matter above thread, not heard anything further on this yet, but 4 weeks should be by the end of this week.

[di30]

Re: Term Assurance etc......

good luck DI

Thank you lovely nanna xxxx

[nanna58]

Re: Term Assurance etc......

good luck DI

[di30]

Re: Term Assurance etc......

As posted on my other thread above earlier, spoken to the lady who is very nice, she said she is looking into the assurance case as well as details passed on by the mortgage adviser from the bank.

They almost gathered all the details and we should receive an update or decision within the next few weeks.

[di30]

Re: Term Assurance etc......

Gave them another ring and someone supposed to be ringing back! Gave them ample time, still waiting!