When the bank charges two homeowners insurance for two years … for 20 years

We were contacted at [email protected] by the family of an old lady who paid her home insurance twice for 20 years.

Two home insurance policies for the same apartment … for 20 years. Eric wrote to “RMC is committed to you” ([email protected]) in February, after realizing that his deceased mother-in-law Geneviève was paying two home insurance loans from the LCL bank. 257 euros and 339 euros, or 596 euros of home insurance per year paid for 20 years for a small F2 apartment. Of course, Eric contacted the bank right away.

“How can a lady who doesn’t look at the accounts, who trusts, see that there are two subscriptions? She’s a woman who lived. We stole her, we took advantage of her for 20 years without “They told us they were aware of this fact and that they were sorry, and that they were going to reimburse us for two years, according to the insurance code.”

Does the bank have the right to repay only the last two years?

In fact, the bank is based on the Insurance Code, which states that “all actions deriving from an insurance contract are prescribed by two years from the event giving rise to it”. So theoretically, it follows the code.

Except that all is not lost. Lawyer Emma Léoty has been looking closely at the case and she thinks that it is quite possible to win a lawsuit because LCL has failed in its duty to advise.

“It simply came to our notice then. This person has the option of incurring the liability of the insurer who is clearly at fault. duty of information, advice, to the deceased. This gentleman has the opportunity to claim damages and it will be up to the court to decide. “

And following our intervention, the bank LCL, we contacted, reminded Eric for propovăduitor to reimburse him five years of insurance. Moreover, Eric demands the reimbursement of the integrity of the sum and expects all to go to court. The bank promised to get back to him with a new proposal by the end of the week.

Marie Dupin, Anne-Lyvia Tollinchi, Joanna Chabas

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