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CharlotteEmma

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All reviews (12)

Review of the LV (Liverpool Victoria), Income Protection:

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Breached Data Protection and can't change direct debit date

I initially took out sick pay insurance through LV in March through TopCashBack but the cash back did not track. I opened a claim through the TopCashBack website and waited for this to be resolved. While waiting for this, a much more serious incident happened where they changed my direct debit details without my permission as someone else with a similar name to mine wished to change theirs and their customer service advisor changed mine instead! I contacted them as this is illegal and breaches DPA and it took multiple emails for them to admit what happened and to rectify it. Now, several months on from this, I have chased the missing cashback and this has finally been paid. However, I rang to change the date my direct debit was taken from my account as my pay date was changing and they won't allow this to be done as 'their systems don't allow for any date changes to me made.' I find this ridiculous and have now cancelled my policy with immediate effect. Reviewed on: 10th August 2015

Review of the Halifax, Fixed Rate Mortgage:

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Remortgaged to a new fixed rate in 5 minutes and saved £70 a month!

I have now had a Halifax mortgage for 18 months and my fixed rate deal was ending. I looked at the offers on the website and when I entered my mortgage number, was given 2 deals to choose from - a 2 year fixed rate or a 4 year fixed rate. I selected the one that I wanted and was given a reference number to log in to check the progress of my switch. The next day, I received an email from Halifax to say it had all been confirmed and I would receive confirmation documents in the post as well as online. I've saved £70 a month on my mortgage for 5 minutes of my time! Reviewed on: 10th August 2015

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