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Jaime Said:

I've got a major dillemma and need advice! I insured myself for employment loss- I need advice- please read.?

We Answered:

You would seem to have two completely separate events to tackle here;

1. The Bank problem
2. The Employer problem.

The employment issue can be dealt with quite simply on a no win no fee basis. ACAS can only offer you facts so is probably not a great deal of help. CAB can appoint someone to act for you at minimal to nil cost. Until you resolve this you remain with two major concerns.

Regarding the Bank (or the broker if independent) you may well have been misold a policy and if you can prove this to be so it is highly likely you 'may' just receive a substantial refund of payments made; again there are no win no fee agents that can act for you at no advance cost to you.

Internally however you should prepare a carefully written letter to the Bank detailing your dissatisfaction over this policy and the fact you consider it to have been a misold one. Ultimately as suggested by others the ombudsman may need to be involved but you will need lots of proof and supporting documentation to end up with a win-win situation; they are technically impartial and will rule on facts.

Forget about any loyalty to the Bank; whilst I commend your thought process, it is wrongly assessed and you should consider them an 'entity' as a means to an end and little else.

I can't comment on your family issues and just hope they are supporting you and that everything is back on track in this area.

You have much to do and I should warn you the wheels of progress will initially turn extremely slowly. Regarding the continued premiums of £122 per month I would write to suspend this for now after carefully checking T&C's (you don't want it to be null and void) it is after a poor policy (IMPO) that still requires full premiums from you when clearly the reason for it is because you don't have money.

I wish you well and do strongly urge you to get some help on this, it is out there for YOU, so don't be alone; clearly you are emotional at this moment in time and it will greatly benefit you to have support.

Curtis

Bobbie Said:

Should I get a divorce? Honest opinions please... I am depressed and devastated?

We Answered:

I really don't understand women like you. You wouldn't let a friend treat you like this would you? Then why in the world would you let let a man treat you like garbage? Just leave and move on with your life. Let him be happy and you find happiness as well. You can't blame him for everything that's wrong in your life, after all, you made the decision to marry him. If you are unhappy, make the "grown up" decisions to better your life.

Nora Said:

Personal Finance-Consumer Purchasing and Protection ...Pls helpp meee?

We Answered:

1 a, 2 h, 3 e, 4 g, 5 i, 6 f, 7 j, 8 b, 9 d, 10 c