Tweet
Can Anyone Please Help????
I attended what I took to be an informal interview with the Halifax in October, at a review of our bank accounts & from which I got a "Protection Analysis report" via Scottish Widows.
I fully & truthfully answered innocent answers to questions put to me at an informal branch interview when faced with a dummy scenario of setting up a savings plan (the cheapest offered - which, with my husband just back in work after 12 months, I had already explained I would need his approval as I doubted we would be able to afford), and which also included Life & Critical Illness cover.
It was refused on the spot whilst undertaking this dummy scenario, so I thought no more of it, (presumably because, as the only questions asked of me at the interview of my height & weight, which pointed to any refusal at that time, concluded that I was overweight - a clear observation).
Following 1st interview - I had no medical, and to my knowledge, no doctors report has been requested.
Despite this I was invited for a 2nd interview in Nov to suggest progressing this through further - even though the critical illness cover had already been point blank refused! - presumably in another direction - and even though we couldn’t afford it & didn’t take it up anyway!
However - over 3 months later I now get a 2 line letter formally announcing I am formally turned down for cover - so having now apparently been formally declined Life & Critical illness cover I understand I am now at risk of:
Finding it difficult to obtain competitively priced life cover, even though problems I was turned down for may eventually be in the past - ie: I may lose weight!.
I understand it can result in a bad credit rating and problems borrowing money in the future.
My name be on the "impaired lives register", by the insurance industry - this record in itself becomes something that I need to consider when applying to other insurance companies or brokers.
I am now wary of approaching other insurers for Travel quotes etc as I already have major problems obtaining cover, as I also suffer from a pre-existing medical condition,(epilepsy) which already increases my premiums etc. - I was amazed I was not even asked questions of that!
I expected an apology, and a withdrawal of the data from their records, as it was not supplied for a specific purpose or application.
To date I have had a call offering £200 compensation in full & final settlement, but they are not prepared to remove my name from their "declined" cases.
Now I am expected to declare on any application I ever make in the future, that I have been "declined at point of sale" , Insurance cover I never asked for, never took up, & never even wanted!
Any suggestions please??
The case progresses next Weds am
I attended what I took to be an informal interview with the Halifax in October, at a review of our bank accounts & from which I got a "Protection Analysis report" via Scottish Widows.
I fully & truthfully answered innocent answers to questions put to me at an informal branch interview when faced with a dummy scenario of setting up a savings plan (the cheapest offered - which, with my husband just back in work after 12 months, I had already explained I would need his approval as I doubted we would be able to afford), and which also included Life & Critical Illness cover.
It was refused on the spot whilst undertaking this dummy scenario, so I thought no more of it, (presumably because, as the only questions asked of me at the interview of my height & weight, which pointed to any refusal at that time, concluded that I was overweight - a clear observation).
Following 1st interview - I had no medical, and to my knowledge, no doctors report has been requested.
Despite this I was invited for a 2nd interview in Nov to suggest progressing this through further - even though the critical illness cover had already been point blank refused! - presumably in another direction - and even though we couldn’t afford it & didn’t take it up anyway!
However - over 3 months later I now get a 2 line letter formally announcing I am formally turned down for cover - so having now apparently been formally declined Life & Critical illness cover I understand I am now at risk of:
Finding it difficult to obtain competitively priced life cover, even though problems I was turned down for may eventually be in the past - ie: I may lose weight!.
I understand it can result in a bad credit rating and problems borrowing money in the future.
My name be on the "impaired lives register", by the insurance industry - this record in itself becomes something that I need to consider when applying to other insurance companies or brokers.
I am now wary of approaching other insurers for Travel quotes etc as I already have major problems obtaining cover, as I also suffer from a pre-existing medical condition,(epilepsy) which already increases my premiums etc. - I was amazed I was not even asked questions of that!
I expected an apology, and a withdrawal of the data from their records, as it was not supplied for a specific purpose or application.
To date I have had a call offering £200 compensation in full & final settlement, but they are not prepared to remove my name from their "declined" cases.
Now I am expected to declare on any application I ever make in the future, that I have been "declined at point of sale" , Insurance cover I never asked for, never took up, & never even wanted!
Any suggestions please??
The case progresses next Weds am
Comment