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Bank negligence

  • 07-12-2019 10:29am
    #1
    Registered Users Posts: 125 ✭✭elizunia87


    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

  • Closed Accounts Posts: 1,862 ✭✭✭ Eloise Proud Kiln


    No


  • Registered Users Posts: 5,364 ✭✭✭CalamariFritti


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


  • Registered Users 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?


  • Registered Users Posts: 4,295 ✭✭✭whomitconcerns


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


  • Registered Users Posts: 2,339 ✭✭✭seagull


    Did she fall sick or lose her job?


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  • Registered Users Posts: 6,133 ✭✭✭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.


  • Closed Accounts Posts: 890 ✭✭✭Johnny Sausage


    the compo gravy train is full,

    take the 500 and be grateful


  • Registered Users Posts: 3,462 ✭✭✭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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