BAD ILLIGAL ADVISE

I used a financial services company to try and get me a mortgage, the said company did not get me a mortgage, they did however pass us on to another company who did get us a mortgage. Once the first company found out we had got a mortgage they phoned us up to say we need to get some mortgage protection and life insurance, i asked was this compulsary and was told it was, the guy said he would get me some quotes and get back to me, in the meantime i phoned my mortgage company and they said neither mortgage protection nor life insurance were compulsary. When the guy phoned me back with the quotes i told him that they were not compulsary, he replied with the words arn't they, i said no, so i don't want to take this out. 3 days later i got letters from payment shield and allied dunbar telling me that we had been passed for these policies and infact the certificates were included with the letters, so he had not just got quotes he had applied on our behalf and given these companies our bank details for them to take payments from direct debits. He knew which companies to go to because they must get a comission from these companies for getting our business, he has done all this including giving out our bank details without our permission, is this against the law and should i take legal advise, the mortgage protection company have told me i have to cancel the policy when i receive their paper work to do it, and also have to cancel it with my bank, this is even though i knew nothing of this policy been taken out. The financial services company have now sent me a disclaimer to sign to say i don't want to take out mortgage protection or life insurance, i didn't get a mortgage with them and i paid a fee to the company that did infact get me the mortgage, so i don't know why this company came back on the scene, it has got nothing to do with them.

thanks john.

Reply to
Jledi
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Try using paragraphs, and also clearly asking your question, your stream of consciousness is very 'Ulysses' and about as intelligible.

Reply to
Tumbleweed

Crikey, I went a bit cross-eyed trying to follow a 25-line (or thereabouts) block paragraph!

What follows is my opinion. I'm not a lawyer, but I believe it to be correct. Get professional advice; most solicitors will give you a free initial interview, and the Citizens' Advice Bureau may also be able to help for free.

In short -- it sounds like he's been handing out your sensitive personal information like confetti. That's covered by the Data Protection Act

1996.

More seriously, if he's been applying, and obtaining commission, when you only asked him to get a quote, that could be construed as attempting to obtain money (i.e. commission) by deception, which is a criminal offence under the Theft Act 1968 punishable by -- I believe -- up to five years' imprisonment on a first offence.

The problem is in proving the nature of your relationship. If you have it on paper that he was only to be obtaining quotes, you've got him. If it was all verbal, then unless you recorded the conversation (and warned him ahead of time that you were, to make the evidence admissible), you'd have a hard time persuading the police to proceed.

In the first instance, you should contact the companies with which he's arranged cover, in writing (sent Recorded Delivery). Inform each of them that the application was made without your consent, and that they should cancel the policy and refund you the premium. Avoid saying or implying that it was done fraudulently, as that could prejudice any legal action, but identify the person who applied on your behalf, so that they can pursue costs recovery from the appropriate person, not you, should they so choose.

Keep copies of all correspondence.

Meanwhile, get advice from informed sources (the police, the CAB, maybe a solicitor) over whether it might be worth your while treating it as a criminal matter. You may wish to try m'learned counsels at uk.legal.

Oh, and BBC Watchdog is returning this autumn, so they'll be looking for hard-luck stories for the first programmes by now. Check out

formatting link
for more. You could have some fun here...

Jon

Reply to
Jon S Green

Reply to
Jledi

Oh dear, it's you again is it, you're approaching becoming a troll if you aren't already. Try spending a *little* more time on formatting your messages and following newsgroup conventions and you might get more (as in a greater number of) helpful responses.

Apart from your original "all in one paragraph" format you also have an irritating habit of replying so that your reply looks like the last line of what you're replying too. I missed several of your replies because of this.

It *will* help you get better replies if you try and make your questions easier to understand.

Reply to
usenet

Hey dude just trying to help, didn't you wonder why your poorly set out message only got one reply? ..probably not :-)

Reply to
Tumbleweed

I certainly stopped reading his message after the second sentence.

cd

Reply to
criticaldensity

reader.com!newsfeed.media.kyoto-u.ac.jp!newsfeed.icl.net!newsfeed.freenet. de!fu-berlin.de!uni-berlin.de!not-for-mail

Reply to
Jledi

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