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Bank negligence

  • 07-12-2019 11:29am
    #1
    elizunia87
    Registered Users Posts: 125 ✭✭


    Hi,

    I am looking for a advice. My mother in law signed up policy in one of the Irish bank to protect her in a case of sickness or loosing job. It was 6 years ago and we have a letter proving it.

    Recently, she found out that the policy never started due to the Bank negligence. They sent her letter admiting it was their mistake and the cheque of amount 500.
    We are thinking to go against the bank.
    Can that be a strong case?


Comments

  • #2
    un5byh7sqpd2x0
    Closed Accounts Posts: 1,862 ✭✭✭un5byh7sqpd2x0


    No


  • #3
    CalamariFritti
    Registered Users, Registered Users 2 Posts: 5,656 ✭✭✭CalamariFritti


    Was there actual damage to her from it or do you consider action just because?


  • #4
    antix80
    Registered Users, Registered Users 2 Posts: 2,419 ✭✭✭antix80


    So to clarify.. your mother didn't get a policy document, didn't receive yearly updates, and didn't pay any premiums?


  • #5
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,380 ✭✭✭whomitconcerns


    Can what be a strong case? There is no case unless she has suffered a loss, but you haven't mentioned any?


  • #6
    seagull
    Registered Users, Registered Users 2 Posts: 2,342 ✭✭✭seagull


    Did she fall sick or lose her job?


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  • #7
    Claw Hammer
    Registered Users, Registered Users 2 Posts: 6,295 ✭✭✭Claw Hammer


    It is up to the insured to ensure that the policy is in place and the premium is being paid. It looks like your mother did nothing after signing the form.


  • #8
    Johnny Sausage
    Closed Accounts Posts: 890 ✭✭✭Johnny Sausage


    the compo gravy train is full,

    take the 500 and be grateful


  • #9
    Bob Harris
    Registered Users Posts: 3,461 ✭✭✭Bob Harris


    If she has suffered a loss because of this then perhaps - as in she lost her job her has been ill and now when she needs the protection of the policy it is not there.
    Although it is the banks mistake in 6 years she didn't pay any premiums nor bring it to their attention
    so she herself has been somewhat negligent.

    If it is simply error that the policy never came into effect and she is not claiming against it then I'm surprised she's getting 500€ to be honest.


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