These rules apparently don't seem to apply to a council loan, they're insisting on their insurance company
As a warning to others, he went through the whole process for 6 month to almost handing over the keys.
No. It looks like the sale will fall throughand what was the final outcome? Did he get insured?
A lot of others would tell a lie, but he wants to be up frontAh - I didn't realise you were talking about a council loan. I've seen threads here on Askaboutmoney and it seems the councils can and do insist upon their own Mortgage Protection insurance provider. I'd have a query in my head about how they can do this when other mortgage providers must allow insurance from any provider under the Consumer Credit Act, but I don't know much about council loans so I don't know how far he'd get challenging them on it.
To my mind, the Council is a public body which is indirectly discriminating against him by reason of a disability
Not at all. You need to understand the social model of disability. I have a visual impairment. I would be registered blind if my vision could not be corrected with spectacles. But I can see fine with spectacles, so I have an impairment, not a disability. If my county council said I wasn't allowed to wear spectacles on their premises, that act would have the effect of turning the impairment into a disability.Given that we only have one single word in this thread to describe the medical issue - "back" - it's perhaps a bit premature to be looking into making a case for discrimination for disability.
A mortgage lender cannot legally withdraw a mortgage offer based upon being declined for mortgage protection through?
A mortgage lender cannot legally withdraw a mortgage offer based upon being declined for mortgage protection through?
The point is, they will not let you shop around, insurance companies have different rulesThey don't have to withdraw it as such but if customer can't comply with the conditions of draw down such as mortgage protection then it can't be drawn down, some banks offer waivers in this sort of situation but are not obliged to do so, don't know what the story with council and waivers is.
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