Halifax won't の近くに 負かす／撃墜する 批判的な illness 政策 with ex-girlfriend as it needs her authorisation

In 1996, I took out a 批判的な illness 政策 with my then girlfriend. We did not marry and have not been in 接触する for at least ten years.

I have asked Halifax several times to の近くに the 政策, because it costs me £41 a month.

It 辞退するs, 説 it is a 共同の 政策 and it needs my ex-partner’s authorisation.

I have explained I have no idea where she lives. But I have to keep on 支払う／賃金ing. Is this 合法的な? And how can I solve this 状況／情勢? G. D., Somerset.

Yes, it is 合法的な, but Halifax has hardly done all it can to help you. Your 事例／患者 を強調するs why no one should enter into any form of 合法的な 契約 unless they are 100?per cent sure they understand the long-称する，呼ぶ／期間／用語 consequences.

It’s also a lesson in the importance of 厳しいing all 合法的な 関係 when a 関係 ends.

Whether you are 取引，協定ing with a mortgage or an 保険 政策, if you enter into it as 共同の 加盟国s, then it will take both of you to 解散させる the 契約.

Your 政策 was taken out with your former girlfriend in March 1996. It 含むd an 投資 element with the life 保険.

You told Halifax in August 1999 that you and your ex-girlfriend lived at separate 演説（する）／住所s and queried the 賞与金.

However, it says there was no 指示，表示する物 you wished the 政策 to be cancelled.

You 接触するd them again in March 2004 to ask for the 政策 to be cancelled, but Halifax wrote 支援する 説 it needed both 署名s.

It 申し込む／申し出d to 得る your ex-partner’s 協定 if you could 供給する the last 演説（する）／住所 you had for her.

You 接触するd them again in June 2007 and March 2011. However, there was an 選択 利用できる to you all along, which Halifax failed to point out. This was to stop 支払う／賃金ing your direct debit.

After three months, the 政策 would have lapsed and the final value would have been calculated.

Halifax said it should have told you this in March 2011 when you について言及するd your direct debits in your letter.

It has therefore 申し込む／申し出d you £300 by way of returning your 賞与金s since then, 加える 利益／興味.

I don’t think this goes far enough. I can see no 推論する／理由 why it should not have given you the same （警察などへの）密告，告訴（状） in March 2004.

I have shown your 事例／患者 to the 財政上の Ombudsman Service and it is keen to look at it more closely.

There is no 保証（人） you will get any more by taking this 大勝する, but I believe it is definitely 価値（がある） a try. You’ve told me you 計画（する） to （問題を）取り上げる this 選択. Good luck.?