AXA Sun Life fails to shine over duplicate payment conundrum | Money

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd"> <html xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" lang="en"> <head><script type="text/javascript" src="https://web-static.archive.org/_static/js/bundle-playback.js?v=7YQSqjSh" charset="utf-8"></script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/wombat.js?v=txqj7nKC" charset="utf-8"></script> <script>window.RufflePlayer=window.RufflePlayer||{};window.RufflePlayer.config={"autoplay":"on","unmuteOverlay":"hidden"};</script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/ruffle/ruffle.js"></script> <script type="text/javascript"> __wm.init("http://web.archive.org/web"); __wm.wombat("http://www.guardian.co.uk:80/money/2009/oct/23/axa-sun-life-duplicate-payment","20091105084303","http://web.archive.org/","web","https://web-static.archive.org/_static/", "1257410583"); </script> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/banner-styles.css?v=p7PEIJWi" /> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/iconochive.css?v=3PDvdIFv" />  <script type="text/javascript"> document.domain = "guardian.co.uk"; </script> <title> AXA Sun Life fails to shine over duplicate payment conundrum | Money | guardian.co.uk </title> <meta http-equiv="content-type" content="text/html; charset=utf-8"/> <meta http-equiv="Content-Style-Type" content="text/css"/> <meta name="description" content="A reader's aunt discovered she was paying AXA Sun Life for two life insurance policies. But who was the second one for, and why couldn't they find out?"/> <meta name="DC.date.issued" content="2009-10-23"> <meta name="keywords" content="Life insurance,Insurance,Consumer affairs,Scams,Money,Money"/> <link rel="shortcut icon" href="/web/20091105084303im_/http://www.guardian.co.uk/favicon.ico" type="image/x-icon"/> <script type="text/javascript"> //<![CDATA[ if (!commonStaticRoot) { var commonStaticRoot = "http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/"; } if (!sectionStaticRoot) { var sectionStaticRoot = "http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/money/"; } if (!staticHost) { var staticHost="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/"; } //]]> </script> <link rel="alternate stylesheet" title="No layout" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/no-layout.css" media="screen" class="contrast" id="no-layout-sheet"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/article-top.css" media="screen"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/print.css" media="print" class="contrast"/>    <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/high-contrast-common.css" media="screen"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/zones/money/styles/wide/high-contrast-section.css" media="screen" class="contrast"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/base-typography.css" media="screen"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/money/styles/wide/high-contrast-section.css" media="screen" class="contrast"/> <link rel="stylesheet" type="text/css" href="http://web.archive.org/web/20091105084303cs_/http://static.guim.co.uk/static/81552/common/styles/wide/article-page-typography.css" media="screen"/> <script type="text/javascript"> //<![CDATA[ function insertStyleSheet(href) { var styleObject = document.createElement('link'); styleObject.setAttribute('href', commonStaticRoot + href); styleObject.setAttribute('type', 'text/css'); styleObject.setAttribute('media', 'screen'); styleObject.setAttribute('rel', 'stylesheet'); var head = document.getElementsByTagName('head')[0]; head.appendChild(styleObject); } insertStyleSheet('styles/wide/js-on.css'); //]]> </script> <script type="text/javascript" src="http://web.archive.org/web/20091105084303js_/http://static.guim.co.uk/static/81552/common/external-scripts/jquery-1.3.2.min.js"></script> <script type="text/javascript" src="http://web.archive.org/web/20091105084303js_/http://static.guim.co.uk/static/81552/common/external-scripts/jquery-libraries/jquery.cookie.js"></script> <script type="text/javascript"> var jQ = jQuery.noConflict(); </script> <script type="text/javascript" src="http://web.archive.org/web/20091105084303js_/http://static.guim.co.uk/static/81552/common/scripts/gu.js"></script> <script type="text/javascript"> //<![CDATA[ function init() { new SearchForm(true, 'http://web.archive.org/web/20091105084303/http://browse.guardian.co.uk', null, 'http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/websearch' ); urlStack.clearUrlStack(); var signOutLink = document.getElementById("sign-out"); if (signOutLink) { signOutLink.onclick = signOut; } } var thirdPartyReferralCookieService = new guardian.r2.ThirdPartyReferralCookieService(); thirdPartyReferralCookieService.setThirdPartyReferralCookie(); var urlStack = new UrlStack(".guardian.co.uk"); guardian.r2.signInListeners = new guardian.r2.SignInListeners(); (function () { var signInView = new guardian.r2.SignInView("http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/md5.js"); var obfuscationService = new guardian.r2.ObfuscationService(); guardian.r2.signInController = new guardian.r2.SignInController(signInView, guardian.r2.signInListeners, obfuscationService, "/tools/signin"); }) (); (function () { var profileLinkView = new guardian.r2.ProfileLinkView(); profileLinkController = new guardian.r2.ProfileLinkController(profileLinkView, "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/"); }) (); addSafeLoadEvent(init); //]]> </script> <script type="text/javascript" language="javascript"> // <![CDATA[ if (true) { insertStyleSheet('styles/wide/pluck-on.css'); } // ]]> </script> </head> <body class=" article "> <div id="wrapper"> <script id="hitboxScript" type="text/javascript"> //<![CDATA[ if(true) { var _hbEC=0,_hbE=new Array;function _hbEvent(a,b){b=_hbE[_hbEC++]=new Object();b._N=a;b._C=0;return b;} var hbx=_hbEvent("pv");hbx.vpc="HBX0250u";hbx.gn="hits.gureport.co.uk"; hbx.acct="DM550607FNVN;DM54102495BW"; hbx.pn="{article}{AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum}{p1294198}"; hbx.mlc="/GU/Money/Life+insurance"; hbx.pndef="title"; hbx.ctdef="full"; hbx.fv=""; hbx.lt="manual"; hbx.dlf="n"; hbx.dft="n"; hbx.elf="n"; hbx.seg=""; hbx.fnl=""; hbx.cmp=""; hbx.cmpn=""; hbx.dcmp=""; hbx.dcmpn=""; hbx.dcmpe=""; hbx.dcmpre=""; hbx.hra=""; hbx.hqsr=""; hbx.hqsp=""; hbx.hlt=""; hbx.hla=""; hbx.gp=""; hbx.gpn=""; hbx.hcn=""; hbx.hcv=""; hbx.cp="null"; hbx.cpd=""; hbx.ci='(none)'; hbx.hc1='usa'; hbx.hc2='(none)'; hbx.hc3="guardian.co.uk"; hbx.hc4="Life+insurance+(Money),Insurance,Consumer+affairs+(Money),Scams+(Money),Money"; hbx.hrf=""; hbx.pec=""; var cv=_hbEvent("cv"); cv.c5="Personal+Finance,Mobile+site+keywords,Insurance"; cv.c6="Anna+Tims"; cv.c7="2009_10_23"; generateScriptTag('http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/hbx.js'); } //]]> </script> <noscript id="hitboxNoScript"> <div><img alt="" src="http://web.archive.org/web/20091105084303im_/http://hits.gureport.co.uk/HG?hc=we89&cd=1&hv=6&ce=u&hb=DM550607FNVN;DM54102495BW&n={article}{AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum}{p1294198}&vcon=/GU/Money/Life+insurance&seg=&cmp=&gp=&fnl=&pec=&dcmp=&ra=&gn=&cv=&ld=&la=&customerid=(none)&c1=usa&c2=(none)&c3=guardian.co.uk&c4=Life+insurance+(Money),Insurance,Consumer+affairs+(Money),Scams+(Money),Money&c5=&c6=Anna+Tims&c7=2009_10_23" width="1" height="1"/></div> </noscript> <script id="omnitureGeneratorScript" type="text/javascript"> //<![CDATA[ if(true) { var s_account="guardiangu-money,guardiangu-network,guardiandev2"; generateScriptTag('http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81524/common/scripts/omniture-H.20.3.js'); } //]]> </script> <script id="omnitureScript" type="text/javascript"> //<![CDATA[ if(true) { s.pageName="AXA Sun Life fails to shine over duplicate payment conundrum:Article:1294198"; s.channel = "Money"; s.pageType=""; s.server='62'; s.prop2='GUID:(none)'; s['prop3']="GU.co.uk"; s['prop4']="Life insurance (Money),Insurance,Consumer affairs (Money),Scams (Money),Money"; s['prop6']="Anna Tims"; s['prop7']="09-Oct-23"; s['prop8']="1294198"; s['prop9']="Article"; s['prop10']=""; s['prop11']="Money"; s['prop13']="Dear Anna (series)"; s['prop25']=""; s['prop30']="content"; s.hier2="GU/Money/Life insurance"; s.events=""; s.eVar23=""; var s_code=s.t();if(s_code)document.write(s_code); } //]]> </script> <noscript id="omnitureNoScript"> <div><img alt="" src="http://web.archive.org/web/20091105084303im_/http://hits.guardian.co.uk/b/ss/guardiangu-money,guardiangu-network,guardiandev2/1/H.20.3/56081?ns=guardian&pageName=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum%3AArticle%3A1294198&ch=Money&c3=GU.co.uk&c4=Life+insurance+%28Money%29%2CInsurance%2CConsumer+affairs+%28Money%29%2CScams+%28Money%29%2CMoney&c6=Anna+Tims&c7=09-Oct-23&c8=1294198&c9=Article&c10=&c11=Money&c13=Dear+Anna+%28series%29&c25=&c30=content&h2=GU%2FMoney%2FLife+insurance&c2=GUID:(none)" width="1" height="1"/></div> </noscript> <div id="video-settings"> <div class="cookied"> <p class="on"><a class="autoplay-off" href="#skiplinks">Turn autoplay off</a></p> <p class="off"><a class="autoplay-on" href="#skiplinks">Turn autoplay on</a></p> </div> <div class="not-cookied"> <p>Please activate cookies in order to turn autoplay off</p> </div> </div> <div id="skiplinks"> <ul> <li><a href="#box" accesskey="s">Jump to content [s]</a></li> <li><a href="#start-of-comments" accesskey="c">Jump to comments [c]</a></li> <li><a href="#global-nav" accesskey="0">Jump to site navigation [0]</a></li> <li><a href="#web-search-field" accesskey="4">Jump to search [4]</a></li> <li><a href="http://web.archive.org/web/20091105084303/http://guardian.co.uk/Users/help/article/0,,933909,00.html" accesskey="8">Terms and conditions [8]</a></li> </ul> </div> <div id="header"> <div id="sub-header"> <ul class="user-details"> <li id="sign-in" class="first"><a class="same-page-login-required" href="/web/20091105084303/http://www.guardian.co.uk/Users/signin/tr/1,,-1,00.html" name="&lid={headerSubHeader}{Signedin}&lpos={headerSubHeader}{1}">Sign in</a></li> <li id="register"><a href="/web/20091105084303/http://www.guardian.co.uk/Users/register/1,,-1,00.html" name="&lid={headerSubHeader}{Register}&lpos={headerSubHeader}{2}" class="register-required">Register</a></li> <li id="mobile"><a href="http://web.archive.org/web/20091105084303/http://m.guardian.co.uk/?id=102202&story=http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment" name="&lid={headerSubHeader}{Mobile version}&lpos={headerSubHeader}{3}">Mobile version</a></li> <li id="larger" class="first">Text <a href="/web/20091105084303/http://www.guardian.co.uk/help/accessibility" name="&lid={headerSubHeader}{Text Larger}&lpos={headerSubHeader}{8}">larger</a></li><li id="smaller"><a href="/web/20091105084303/http://www.guardian.co.uk/help/accessibility" name="&lid={headerSubHeader}{Text Smaller}&lpos={headerSubHeader}{9}">smaller</a></li> </ul> <div id="topslot"> <script type="text/javascript"> //<![CDATA[ if(true) { var src = 'http://web.archive.org/web/20091105084303/http://ads.guardian.co.uk/js.ng/spacedesc=topslot&comfolder=insurance&keywords=%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment&rand=-1411916227&series=25421&system=article&tile=0243309&blockVideoAds=false&partnerid=&'; generateScriptTag(src); } //]]> </script> </div> </div> <div id="guardian-logo"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/" name="&lid={headerBranding}{Guardian}&lpos={headerBranding}{1}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/zones/money/images/logo.gif" height="22" width="140" alt="guardian.co.uk home"/></a> </div> <form id="search" action="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/websearch" method="get" onsubmit="return SearchForm(true, 'http://browse.guardian.co.uk/search?search=','http://www.guardian.co.uk/search/users');"> <fieldset id="web-search"> <input type="text" class="text search-field" name="web-search-field" id="web-search-field" value="Search" onclick="if(this.value=='Search')this.value='';else this.select();"/> <label for="sitesearch-radio"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/spacer.gif" width="1" height="1" alt="Location"/></label> <select name="sitesearch-radio"> <option value="guardian" id="search-guardian">guardian.co.uk</option> <option value="Money" id="search-section">Money</option> <option value="web" id="search-web">Web</option> </select> <input type="submit" class="submit sitesearch-submit" value="Search" name="go-guardian" id="go-guardian"/> </fieldset> </form> <div id="zones-nav"> <div id="global-nav"> <ul> <li class="first news"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/" name="&lid={globalNav}{guardian.co.uk home}&lpos={trail}{1}">News</a> </li> <li class="sport"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/sport" name="&lid={globalNav}{Sport home}&lpos={trail}{2}">Sport</a> </li> <li class="comment"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/commentisfree" name="&lid={globalNav}{Comment is free home}&lpos={trail}{3}">Comment</a> </li> <li class="culture"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/culture" name="&lid={globalNav}{Culture home}&lpos={trail}{4}">Culture</a> </li> <li class="business"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/business" name="&lid={globalNav}{Business home}&lpos={trail}{5}">Business</a> </li> <li class="money"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money" name="&lid={globalNav}{Money home}&lpos={trail}{6}">Money</a> </li> <li class="life-and-style"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/lifeandstyle" name="&lid={globalNav}{Life and style home}&lpos={trail}{7}">Life & style</a> </li> <li class="travel"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/travel" name="&lid={globalNav}{Travel home}&lpos={trail}{8}">Travel</a> </li> <li class="environment"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment" name="&lid={globalNav}{Environment}&lpos={trail}{9}">Environment</a> </li> <li class="culture"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/tv-and-radio" name="&lid={globalNav}{Television &amp; Radio}&lpos={trail}{10}">TV</a> </li> <li class="blogs"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/tone/blog" name="&lid={globalNav}{Guardian blogs | All guardian.co.uk blogposts}&lpos={trail}{11}">Blogs</a> </li> <li class="video"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/multimedia" name="&lid={globalNav}{Multimedia home}&lpos={trail}{12}">Video</a> </li> <li class="users"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/community" name="&lid={globalNav}{Users home}&lpos={trail}{13}">Community</a> </li> <li class="last jobs"> <a href="http://web.archive.org/web/20091105084303/http://jobs.guardian.co.uk/" name="&lid={globalNav}{Jobs}&lpos={trail}{14}">Jobs</a> </li> </ul> </div> <div id="nav-bar"> <div id="crumb-nav"> <ul> <li id="crumb1"><a class="first-second" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money" name="&lid={crumbNavigation}{Money}&lpos={crumbNavigation}{1}">Money</a></li> <li id="crumb2"><a class="first-end" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={crumbNavigation}{Dear Anna}&lpos={crumbNavigation}{2}">Dear Anna</a></li> </ul> </div> </div> </div> </div> <div id="box"> <div id="article-header"> <div class="series-navigation"> <h4>Series: <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={seriesNavigation}{Dear Anna}&lpos={seriesNavigation}{1}">Dear Anna</a></h4> <div class="relative-series-navigation"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/16/quinn-car-insurance-price-rise" name="&lid={seriesNavigation}{Previous}&lpos={seriesNavigation}{2}">Previous</a> | <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/30/marks-spencer-delivery-delay" name="&lid={seriesNavigation}{Next}&lpos={seriesNavigation}{3}">Next</a> | <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={seriesNavigation}{Index}&lpos={seriesNavigation}{4}">Index</a> </div> </div> <div id="main-article-info"> <h1>AXA Sun Life fails to shine over duplicate payment conundrum</h1> <p id="stand-first" class="stand-first-alone">A reader's aunt discovered she was paying AXA Sun Life for two life insurance policies. But who was the second one for, and why couldn't they find out?</p> </div> <ul id="content-actions"> <li> <div class="pluck-init-block" id="comment-info-related"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment#start-of-comments" class="comment-count-info comment-icon">Comments (<span class="comment-count">…</span>)</a> </div> </li> <li class="third-party-tool "> <a id="buzzlink" href="http://web.archive.org/web/20091105084303/http://uk.buzz.yahoo.com/buzz?publisherurn=the_guardian665&targetUrl=http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment&summary=A+reader%27s+aunt+discovered+she+was+paying+AXA+Sun+Life+for+two+life+insurance+policies.+But+who+was+the+second+one+for%2C+and+why+couldn%27t+they+find+out%3F&headline=AXA Sun Life fails to shine over duplicate payment conundrum |Money |guardian.co.uk">Buzz up!</a> </li> <li class="third-party-tool"> <a id="digglink" href="http://web.archive.org/web/20091105084303/http://digg.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum">Digg it</a> </li> </ul> </div> <div id="content"> <ul class="article-attributes no-pic"> <li class="byline"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/profile/annatims" name="&lid={contentTypeByline}{Anna Tims}&lpos={contentTypeByline}{1}">Anna Tims</a> </li> <li class="publication"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/" name="&lid={contentTypeByline}{guardian.co.uk}&lpos={contentTypeByline}{2}">guardian.co.uk</a>, Friday 23 October 2009 00.05 BST </li> </ul> <div id="article-wrapper"> <p>Barbara Cummins was attempting to sort out the finances of an impoverished elderly aunt. While trawling through bank statements she noticed her aunt was paying £10 a month for a life assurance policy with AXA Sun Life. The mystery was exactly whose life was being insured. Not her aunt's, for that was covered by a separate policy set up by her late husband.</p><p></p><p>Fearing it was forgotten <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/insurance">insurance</a> for the husband who died 21 years ago, Cummins contacted AXA Sun Life and was surprised to be told that the Data Protection Act forbade the company to disclose the name of the policy holder to her aunt, even though she was paying the premiums. AXA told her to ask her aunt's bank, but it could only provide a policy number not a name.</p><p></p><p>Cummins then wrote twice to AXA on behalf of her aunt begging for enlightenment, but presumably data protection rules prevented the company from writing back since she heard nothing. "This £10 a month is adding to my aunt's money worries and causing her additional health problems," Cummins says.</p><p></p><p>I contact AXA's press office, which contacts customer services, which only then starts an investigation. And what does it find? That the mysterious policy was fraudulently taken out in 2003 by a close member of the family using the aunt's bank details and a visibly forged signature.</p><p></p><p>Cummins's aunt can now reclaim the premiums and any interest from her bank under the Direct Debit Guarantee Scheme. AXA apologises for any distress and inconvenience but suggests its lengthy silence on the matter shows how seriously it takes its civic duties. "It is important that when a client does express a concern of this nature it is investigated thoroughly in order that their faith in the company may be maintained," a spokesperson says.</p><p></p><p>According to the <a href="http://web.archive.org/web/20091105084303/http://www.ico.gov.uk/" title="Information Commissioners Office website">Information Commissioner's Office</a> (ICO), which regulates the Data Protection Act, the rules do not apply to the dead and so AXA should have been able to confirm that the policy was not in the name of Cummins's uncle. However, Cummins and her aunt would not necessarily have been able to learn the name of a living policyholder even though the aunt was paying the premiums.</p><p></p><p>"The act would work here on a case-by-case basis," an ICO spokeswoman says. "If an insurance policy was set up fraudulently the insured person might not have been aware of it and it could be distressing for them if angry victims suddenly got in touch out of the blue."</p><p></p><p>Anyone in a similar situation should contact the ICO helpline on 01625 545 745. will advise on how to navigate the red tape.</p> </div> </div> <div id="related"> <ul id="article-toolbox-side"> <li class="printable"><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/email/354560322" title="Opens an email form" name="&lid={pageToolbox}{Email a friend}&lpos={pageToolbox}{2}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_email-friend.gif" alt="" class="trail-icon"/><span>Send to a friend</span></a></li> <li><a class="rollover sharelink" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/share/354560322" title="Opens a share this page in a new window" name="&lid={pageToolbox}{Share this content}&lpos={pageToolbox}{3}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_share.gif" alt="" class="trail-icon"/><span>Share</span></a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/clippings/add?r2PageId=1294198" id="clippable" title="Sends this page to your clippings file" class="rollover anchor-based-login-required package-required-YCLD" name="&lid={pageToolbox}{Clip this content}&lpos={pageToolbox}{4}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_clip.gif" alt="" class="trail-icon"/><span>Clip</span></a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/contactus/354560322" class="rollover contactlink" title="Displays contact data for guardian.co.uk" name="&lid={pageToolbox}{Contact us}&lpos={pageToolbox}{5}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_email-us.gif" alt="" class="trail-icon"/><span>Contact us</span></a></li> <li class="resize"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_font.gif" alt="" class="trail-icon"/> <a href="/web/20091105084303/http://www.guardian.co.uk/help/accessibility" id="larger-sidebar" title="Increase text size">larger</a> | <a href="/web/20091105084303/http://www.guardian.co.uk/help/accessibility" id="smaller-sidebar" title="Decrease text size">smaller</a> </li> </ul> <div class="toolbox-popup" id="send-email"> <div class="send-inner"> <div class="share-top"> <h3>Email</h3> <span><a class="close-toolbox-send-email" href="#send-email">Close</a></span> </div> <div> <form method="post" name="emailthis" id="emailthis" action="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/email/354560322"> <fieldset> <div> <label for="to">Recipient's email address</label> </div> <input type="text" name="to" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="name">Your first name</label> </div> <input type="text" name="firstName" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="name">Your surname</label> </div> <input type="text" name="surname" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="note">Add a note (optional)</label> <br/><span id="warning-side"></span> </div> <textarea name="note" cols="25" rows="5" onkeyup="formCheckerSide(this,250)"></textarea> </fieldset> <div class="inputrow"> <input type="submit" value="Send"/> </div> <p class="ip_logged">Your IP address will be logged</p> </form> </div> </div> </div> <div class="toolbox-popup" id="send-share"> <div class="send-inner"> <div class="share-top"> <h3>Share</h3> <span><a class="close-toolbox-send-share" href="#send-share">Close</a></span> </div> <ul> <li><a class="digg" href="http://web.archive.org/web/20091105084303/http://digg.com/submit?phase=2&url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{Digg}">Digg</a></li> <li> <a class="reddit" href="http://web.archive.org/web/20091105084303/http://reddit.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{reddit}">reddit</a> </li> <li> <a class="google" href="http://web.archive.org/web/20091105084303/http://www.google.com/bookmarks/mark?op=edit&bkmk=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{Google Bookmarks}">Google Bookmarks</a> </li> <li> <a class="twitter" href="http://web.archive.org/web/20091105084303/http://twitter.com/home?status=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Twitter}">Twitter</a> </li> <li> <a class="delicious" href="http://web.archive.org/web/20091105084303/http://del.icio.us/post?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{del.icio.us}">del.icio.us</a> </li> <li> <a class="stumbleupon" href="http://web.archive.org/web/20091105084303/http://www.stumbleupon.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="&lid={pageToolboxShare}{StumbleUpon}&lpos={pageToolboxShare}{1}">StumbleUpon</a> </li> <li> <a class="newsvine" href="http://web.archive.org/web/20091105084303/http://www.newsvine.com/_tools/seed&save?popoff=0&u=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&h=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="&lid={pageToolboxShare}{Newsvine}&lpos={pageToolboxShare}{2}">Newsvine</a> </li> <li> <a class="livejournal" href="http://web.archive.org/web/20091105084303/http://www.livejournal.com/update.bml?subject=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{livejournal}">livejournal</a> </li> <li> <a class="facebook" href="http://web.archive.org/web/20091105084303/http://www.facebook.com/share.php?u=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Facebook}">Facebook</a> </li> <li> <a class="mixx" href="http://web.archive.org/web/20091105084303/http://www.mixx.com/submit?page_url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Mixx}">Mixx it!</a> </li> </ul> <div class="clear"></div> </div> </div> <div class="toolbox-popup" id="contact"> <div class="send-inner"> <div class="share-top"> <h3>Contact us</h3> <span><a class="close-toolbox-contact" href="#contact">Close</a></span> </div> <div class="col first"> <div class="capsule sponsored-features"> <ul class="trail trailblock tri"> <li class="normal first "> <div class="trail-caption"> <div class="linktext"> Contact the Money editor<br><a href="http://web.archive.org/web/20091105084303/mailto:money.editor@guardianunlimited.co.uk">money.editor@<br>guardianunlimited.co.uk</a> </div> <div class="trailtext"> </div> </div> </li> </ul> </div> <ul> <li> Report errors or inaccuracies: <a href="http://web.archive.org/web/20091105084303/mailto:userhelp@guardian.co.uk">userhelp@guardian.co.uk</a> </li> <li> Letters for publication should be sent to: <a href="http://web.archive.org/web/20091105084303/mailto:letters@guardian.co.uk">letters@guardian.co.uk</a> </li> </ul> </div> <div class="col"> <ul> <li> If you need help using the site: <a href="http://web.archive.org/web/20091105084303/mailto:userhelp@guardian.co.uk">userhelp@guardian.co.uk</a> </li> <li> Call the main Guardian and Observer switchboard: <br/><span>+44 (0)20 3353 2000</span> </li> <li> <ul> <li> <a href="http://web.archive.org/web/20091105084303/http://adinfo-guardian.co.uk/">Advertising guide</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/syndication/">License/buy our content</a> </li> </ul> </li> </ul> </div> </div> </div> <div class="relatedlinks" class="capsule"> <h3 class="first"><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money" name="&lid={inlineKeyword}{Money}&lpos={inlineKeyword}{1}">Money</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/lifeinsurance" name="&lid={inlineKeyword}{Life insurance}&lpos={inlineKeyword}{2}" rel="tag">Life insurance</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/insurance" name="&lid={inlineKeyword}{Insurance}&lpos={inlineKeyword}{3}" rel="tag">Insurance</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/consumer-affairs" name="&lid={inlineKeyword}{Consumer affairs}&lpos={inlineKeyword}{4}" rel="tag">Consumer affairs</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/scamsandfraud" name="&lid={inlineKeyword}{Scams}&lpos={inlineKeyword}{5}" rel="tag">Scams</a> </li> </ul> <h3>Series</h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={inlineKeyword}{Dear Anna}&lpos={inlineKeyword}{6}">Dear Anna</a> </li> </ul> </div> </div> <ul id="article-toolbox"> <li class="printable"><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/email/354560322" title="Opens an email form" name="&lid={pageToolbox}{Email a friend}&lpos={pageToolbox}{2}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_email-friend.gif" alt="" class="trail-icon"/><span>Send to a friend</span></a></li> <li><a class="rollover sharelink" href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/share/354560322" title="Opens a share this page in a new window" name="&lid={pageToolbox}{Share this content}&lpos={pageToolbox}{3}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_share.gif" alt="" class="trail-icon"/><span>Share</span></a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/clippings/add?r2PageId=1294198" id="clippable" title="Sends this page to your clippings file" class="rollover anchor-based-login-required package-required-YCLD" name="&lid={pageToolbox}{Clip this content}&lpos={pageToolbox}{4}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_clip.gif" alt="" class="trail-icon"/><span>Clip</span></a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/contactus/354560322" class="rollover contactlink" title="Displays contact data for guardian.co.uk" name="&lid={pageToolbox}{Contact us}&lpos={pageToolbox}{5}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_email-us.gif" alt="" class="trail-icon"/><span>Contact us</span></a></li> <li class="article-history"><a href="#" title="View the history of this article" class="rollover historylink" name="&lid={pageToolbox}{Article history}&lpos={pageToolbox}{6}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/icon_history.gif" alt="" class="trail-icon"/><span>Article history</span></a></li> </ul> <div class="toolbox-popup" id="send-email"> <div class="send-inner"> <div class="share-top"> <h3>Email</h3> <span><a class="close-toolbox-send-email" href="#send-email">Close</a></span> </div> <div> <form method="post" name="emailthis" id="emailthis" action="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/email/354560322"> <fieldset> <div> <label for="to">Recipient's email address</label> </div> <input type="text" name="to" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="name">Your first name</label> </div> <input type="text" name="firstName" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="name">Your surname</label> </div> <input type="text" name="surname" maxlength="64" value=""/> </fieldset> <fieldset> <div> <label for="note">Add a note (optional)</label> <br/><span id="warning-side"></span> </div> <textarea name="note" cols="25" rows="5" onkeyup="formCheckerSide(this,250)"></textarea> </fieldset> <div class="inputrow"> <input type="submit" value="Send"/> </div> <p class="ip_logged">Your IP address will be logged</p> </form> </div> </div> </div> <div class="toolbox-popup" id="send-share"> <div class="send-inner"> <div class="share-top"> <h3>Share</h3> <span><a class="close-toolbox-send-share" href="#send-share">Close</a></span> </div> <ul> <li><a class="digg" href="http://web.archive.org/web/20091105084303/http://digg.com/submit?phase=2&url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{Digg}">Digg</a></li> <li> <a class="reddit" href="http://web.archive.org/web/20091105084303/http://reddit.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{reddit}">reddit</a> </li> <li> <a class="google" href="http://web.archive.org/web/20091105084303/http://www.google.com/bookmarks/mark?op=edit&bkmk=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{Google Bookmarks}">Google Bookmarks</a> </li> <li> <a class="twitter" href="http://web.archive.org/web/20091105084303/http://twitter.com/home?status=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Twitter}">Twitter</a> </li> <li> <a class="delicious" href="http://web.archive.org/web/20091105084303/http://del.icio.us/post?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="lid={share}{del.icio.us}">del.icio.us</a> </li> <li> <a class="stumbleupon" href="http://web.archive.org/web/20091105084303/http://www.stumbleupon.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&title=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="&lid={pageToolboxShare}{StumbleUpon}&lpos={pageToolboxShare}{1}">StumbleUpon</a> </li> <li> <a class="newsvine" href="http://web.archive.org/web/20091105084303/http://www.newsvine.com/_tools/seed&save?popoff=0&u=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment&h=AXA+Sun+Life+fails+to+shine+over+duplicate+payment+conundrum" name="&lid={pageToolboxShare}{Newsvine}&lpos={pageToolboxShare}{2}">Newsvine</a> </li> <li> <a class="livejournal" href="http://web.archive.org/web/20091105084303/http://www.livejournal.com/update.bml?subject=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{livejournal}">livejournal</a> </li> <li> <a class="facebook" href="http://web.archive.org/web/20091105084303/http://www.facebook.com/share.php?u=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Facebook}">Facebook</a> </li> <li> <a class="mixx" href="http://web.archive.org/web/20091105084303/http://www.mixx.com/submit?page_url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Foct%2F23%2Faxa-sun-life-duplicate-payment" name="lid={share}{Mixx}">Mixx it!</a> </li> </ul> <div class="clear"></div> </div> </div> <div class="toolbox-popup" id="contact"> <div class="send-inner"> <div class="share-top"> <h3>Contact us</h3> <span><a class="close-toolbox-contact" href="#contact">Close</a></span> </div> <div class="col first"> <div class="capsule sponsored-features"> <ul class="trail trailblock tri"> <li class="normal first "> <div class="trail-caption"> <div class="linktext"> Contact the Money editor<br><a href="http://web.archive.org/web/20091105084303/mailto:money.editor@guardianunlimited.co.uk">money.editor@<br>guardianunlimited.co.uk</a> </div> <div class="trailtext"> </div> </div> </li> </ul> </div> <ul> <li> Report errors or inaccuracies: <a href="http://web.archive.org/web/20091105084303/mailto:userhelp@guardian.co.uk">userhelp@guardian.co.uk</a> </li> <li> Letters for publication should be sent to: <a href="http://web.archive.org/web/20091105084303/mailto:letters@guardian.co.uk">letters@guardian.co.uk</a> </li> </ul> </div> <div class="col"> <ul> <li> If you need help using the site: <a href="http://web.archive.org/web/20091105084303/mailto:userhelp@guardian.co.uk">userhelp@guardian.co.uk</a> </li> <li> Call the main Guardian and Observer switchboard: <br/><span>+44 (0)20 3353 2000</span> </li> <li> <ul> <li> <a href="http://web.archive.org/web/20091105084303/http://adinfo-guardian.co.uk/">Advertising guide</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/syndication/">License/buy our content</a> </li> </ul> </li> </ul> </div> </div> </div> <div class="toolbox-popup" id="history-byline" style="width: 460px"> <div class="send-inner"> <div class="share-top"> <h3>About this article</h3> <span><a class="close-toolbox-history-byline" href="#history-byline">Close</a></span> </div> <div class="section"> <h1>AXA Sun Life fails to shine over duplicate payment conundrum</h1> This article was published on <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/" name="&lid={historyByline}{guardian.co.uk}&lpos={historyByline}{2}">guardian.co.uk</a> at 00.05 BST on Friday 23 October 2009. </div> </div> </div> <div id="advertiser-container"> <script type="text/javascript"> google_ad_client = 'ca-guardian_js'; google_ad_channel = 'Money'; </script> <script> google_max_num_ads = '3'; </script> <div id="google-ads-container" class="money component capsule advertiser-links" style="display: none;"></div> <script type="text/javascript"> //<![CDATA[ if (true) { generateScriptTag("http://web.archive.org/web/20091105084303/http://pagead2.googlesyndication.com/pagead/show_ads.js"); } // ]]> </script> </div> <div id="pluck-addressed-comment-container" class="pluck-init-block pluck-comments-container"> <h2 id="pluck-addressed-comment-author-info" style="display:none;"> <span id="pluck-addressed-comment-author"></span>'s comment </h2> <div id="pluck-addressed-comment" class="pluck-comment-block"></div> </div> <script type="text/javascript" language="javascript"> // <![CDATA[ if (true) { insertStyleSheet('styles/wide/pluck-on.css'); } // ]]> </script> <div id="pluck-container" class="pluck-comments-container"> <script type="text/javascript" language="javascript"> // <![CDATA[ if (true) { insertStyleSheet('styles/wide/pluck-on.css'); } // ]]> </script> <h2 id="start-of-comments">Comments in chronological order <span class="comment-count-info" style="display:none;">(Total <span class="comment-count">comment</span>)</span></h2> <div id="post-comment-div-top" class="pluck-comment-addComment header"> <div class="pluck-comment-post">  Comments are now closed for this entry.  </div> <div class="pluck-comment-legend"> <ul> <li><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/communities/icons_staff_16.gif" alt="This symbol indicates that that person is The Guardian's staff" title="This symbol indicates that that person is The Guardian's staff"/>Staff</li> <li><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/communities/icons_contributor_16.gif" alt="This symbol indicates that that person is a contributor" title="This symbol indicates that that person is a contributor"/>Contributor</li> </ul> </div> </div> </div> <script type="text/javascript" language="javascript"> serverUrl="http://web.archive.org/web/20091105084303/http://sitelife.guardian.co.uk/ver1.0/Direct/Process"; commentsSignUpUrl="http://web.archive.org/web/20091105084303/http://users.guardian.co.uk/signup/tr/1,,-720,00.html"; contentId = "354560322"; coreContentCommentCount = 0 ; </script> <script src="http://web.archive.org/web/20091105084303js_/http://static.guim.co.uk/microapps/server-side-pluck/javascript/pluck.js" type="text/javascript" language="javascript"></script> <div id="post-comment-div-top" class="pluck-comment-addComment header"> <div id="abuse-box-wrapper" style="display:none;"> <div id="abuse-box"> <p id="abuse-box-close"><a href="javascript:void(0)" title="Close">Close</a></p> <div> <h2>Abuse report</h2> </div> <div id="abuse-box-edit-area"> <p><label for="abuse-reason">Please choose a problem:</label></p> <select id="abuse-reason"> <option value="" selected>Choose one</option> <option value="Personal abuse">Personal abuse</option> <option value="Off topic">Off topic</option> <option value="Legal issue">Legal issue</option> <option value="Trolling">Trolling</option> <option value="Hate speech">Hate speech</option> <option value="Offensive/Threatening language">Offensive/Threatening language</option> <option value="Copyright">Copyright</option> <option value="Spam">Spam</option> <option value="Other">Other</option> </select> <p><label for="abuse-description">Comment: <span id="abuse-description-optional">(optional)</span></label></p> <textarea rows="4" cols="50" id="abuse-description"></textarea> <p>You have <span id="abuse-chars-left">5000</span> characters left</p> <div id="abuse-login-info"> <p>Logged in as <strong id="abuse-user-name"></strong></p> </div> <div id="abuse-email-info"> <p><label for="abuse-email">Your email address: <span>(optional)</span></label></p> <input type="text" id="abuse-email"/> </div> <p id="abuse-submit-container"> <input type="button" disabled="true" id="abuse-submit" value="Report"/> </p> </div> <div id="abuse-progress-area"> <p>Loading...............</p> </div> <div id="abuse-close-confirmation-area"> <p>Closing this window without pressing "Report" will result in your words being lost. <br/> Are you sure? <input type="button" value="Yes, close" id="abuse-close-confirm"/> <input type="button" value="No, return to text" id="abuse-close-cancel"/> </p> </div> <div id="abuse-thank-you-area"> <p>Thank you <input type="button" value="Close" id="abuse-close-thank-you"/> </p> </div> <div id="abuse-pluck-error-area"> <p>Sorry, something has gone wrong and this action cannot be completed. <span>Please try again later.</span></p> </div> </div> </div> </div> <div id="pluck-comment-block" class="pluck-comment-block js-hitbox-tracked pluck-comments-container"> <div> <p class="no-comments">There are no comments yet for this article.</p> <span id="end-of-comments"></span> </div> </div> <div id="pluck-show-all-comments" class="pluck-comments-container"> <p class="pluck-all-comments"><a href="#post-comment-div-top">Post a comment</a></p> </div> <div class="pluck-off-error"> <h2>Comments</h2> <p>Sorry, commenting is not available at this time. <span>Please try again later.</span></p> </div> <div id="pluck-error-area" style="display:none"> <p>Apologies, something has gone wrong and this action cannot be completed. <span>Please try again later.</span></p> </div> <div style="display:none;"> <div id="comment-box-wrapper" style="display:none;"> <div id="comment-box-pluck"> <div class="comment-author"> <ul> <li class="comment-author-img"><img id="user-image" width="30" height="30"/></li> <li class="comment-author-name">Logged in as <strong id="user-name"></strong> <a id="sign-out-link" href="#" title="click here to log out">click here to log out</a> </li> <li class="author-role"></li> </ul> </div> <div id="comment-box-edit"> <div id="blockquote-button"> <input id="add-blockquotes" type="button" value="blockquote"/> <input id="add-bolds" type="button" value="bold"/> <input id="add-italics" type="button" value="italic"/> <input id="add-links" type="button" value="link"/> <p>You have <span id="chars-left"></span> characters left</p> </div> <fieldset> <textarea rows="16" cols="50" id="comment-body" name="comment-body"></textarea> </fieldset> <div id="submit"> <p class="msg">Please read our <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/talkpolicy" id="community-standards-link">community standards</a>.</p> <p><input type="submit" disabled="true" value="Post your comment" id="submit-comment" name="submit-comment"/></p> </div> </div> <div id="comment-box-progress" style="display:none;"> <p>Loading...............</p> </div> <div id="comment-close-confirmation-area"> <p>Closing this window without pressing "Post your comment" will result in your words being lost. <br/> Are you sure? <input type="button" value="Yes, close" id="comment-close-confirm"/> <input type="button" value="No, return to text" id="comment-close-cancel"/> </p> </div> <div id="comment-premoderation-area"> <p>Thank you for your comment. This has been submitted for moderation. <input type="button" value="Close" id="comment-premoderation-close"/> </p> </div> <div id="comment-thank-you-area"> <p>Your comment has been successfully posted.</p> <input type="button" id="comment-again" value="Comment again"> </div> <div id="comment-pluck-error-area"> <p>Sorry, something has gone wrong and this action cannot be completed. <span>Please try again later.</span></p> </div> </div> </div> </div> <div id="abuse-box-wrapper" style="display:none;"> <div id="abuse-box"> <p id="abuse-box-close"><a href="javascript:void(0)" title="Close">Close</a></p> <div> <h2>Abuse report</h2> </div> <div id="abuse-box-edit-area"> <p><label for="abuse-reason">Please choose a problem:</label></p> <select id="abuse-reason"> <option value="" selected>Choose one</option> <option value="Personal abuse">Personal abuse</option> <option value="Off topic">Off topic</option> <option value="Legal issue">Legal issue</option> <option value="Trolling">Trolling</option> <option value="Hate speech">Hate speech</option> <option value="Offensive/Threatening language">Offensive/Threatening language</option> <option value="Copyright">Copyright</option> <option value="Spam">Spam</option> <option value="Other">Other</option> </select> <p><label for="abuse-description">Comment: <span id="abuse-description-optional">(optional)</span></label></p> <textarea rows="4" cols="50" id="abuse-description"></textarea> <p>You have <span id="abuse-chars-left">5000</span> characters left</p> <div id="abuse-login-info"> <p>Logged in as <strong id="abuse-user-name"></strong></p> </div> <div id="abuse-email-info"> <p><label for="abuse-email">Your email address: <span>(optional)</span></label></p> <input type="text" id="abuse-email"/> </div> <p id="abuse-submit-container"> <input type="button" disabled="true" id="abuse-submit" value="Report"/> </p> </div> <div id="abuse-progress-area"> <p>Loading...............</p> </div> <div id="abuse-close-confirmation-area"> <p>Closing this window without pressing "Report" will result in your words being lost. <br/> Are you sure? <input type="button" value="Yes, close" id="abuse-close-confirm"/> <input type="button" value="No, return to text" id="abuse-close-cancel"/> </p> </div> <div id="abuse-thank-you-area"> <p>Thank you <input type="button" value="Close" id="abuse-close-thank-you"/> </p> </div> <div id="abuse-pluck-error-area"> <p>Sorry, something has gone wrong and this action cannot be completed. <span>Please try again later.</span></p> </div> </div> </div> </div> <div id="promo">  <div id="rightslot1" class="hide-on-popup"> <script type="text/javascript"> //<![CDATA[ if(true) { var src = 'http://web.archive.org/web/20091105084303/http://ads.guardian.co.uk/js.ng/spacedesc=rightslot1&comfolder=insurance&keywords=%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment&rand=-1171997068&series=25421&system=article&tile=0243309&blockVideoAds=false&partnerid=&'; generateScriptTag(src); } //]]> </script> </div> <div id="attention-data" class="component attention-data money"> <div class="hd"><h2>Latest from money</h2></div> <div id="att-toggle"> <ul class="tabs"> <li> <a href="#att-most-viewed" class="active">Most viewed</a> </li> <li> <a href="#att-latest" class="inactive">Latest</a> </li> <li> <a href="#att-most-commented" class="inactive">Most commented</a> </li> </ul> <div id="att-panes"> <div id="att-most-viewed" class="att-tabs att-toggle-pane"> <div class="capsule" id="most-viewed"> <div id="most" class="tabs-container"> <p>Last 24 hours</p> <ol> <li class="first"> <span class="rank">1.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/04/farmville-game-zynga-facebook-criticism">Facebook game FarmVille 'lets under-age users part with cash'</a> </li> <li> <span class="rank">2.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/02/tower-london-beefeaters-harassment-inquiry">Tower of London suspends beefeaters in harassment inquiry</a> </li> <li> <span class="rank">3.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/03/lloyds-rbs-sell-off">Lloyds and RBS sell-off: What it means for consumers</a> </li> <li> <span class="rank">4.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/05/google-job-interview-questions">Fancy a job at Google?</a> </li> <li> <span class="rank">5.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/03/coffee-machine-saving-money">Saving money on a coffee machine</a> </li> <li class="more-most-viewed"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/mostviewed">More top stories</a> </li> </ol> </div> </div> </div> <div id="att-latest" class="att-tabs att-toggle-pane initially-off"> <ol> <li class="first"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/politics/2009/nov/03/crisis-housing-benefits-campaign-budget" name="&lid={latestFromSection}{Crisis to resist benefits clawback}&lpos={trail}{1}" class="link-text">Crisis to resist benefits clawback</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/04/farmville-game-zynga-facebook-criticism" name="&lid={latestFromSection}{Facebook farm game lets under-age users part with cash}&lpos={trail}{2}" class="link-text">Warning over Facebook FarmVille game</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/04/equitable-life-honor-blackman-compensation-protest" name="&lid={latestFromSection}{Honor Blackman calls for Equitable Life payouts}&lpos={trail}{3}" class="link-text">Honor Blackman joins fight for Equitable Life payouts</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/03/lloyds-rbs-sell-off" name="&lid={latestFromSection}{Q&amp;A:Lloyds and RBS sell-off}&lpos={trail}{4}" class="link-text">Q&A: Lloyds and RBS sell-off</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/03/house-prices-rise-halifax" name="&lid={latestFromSection}{House prices rise by 1.2%, says Halifax}&lpos={trail}{5}" class="link-text">House prices rise by 1.2%, says Halifax</a> </li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/all">All today's stories</a></li> </ol> </div> <div id="att-most-commented" class="att-tabs att-toggle-pane initially-off"> <p>Last 24 hours</p> <ol> <li><span class="rank">1.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/04/farmville-game-zynga-facebook-criticism" name="&lid={mostCommentedFromSection}{Facebook farm game lets under-age users part with cash}&lpos={trail}{1}" class="link-text">Facebook game FarmVille 'lets under-age users part with cash'</a> (25 comments) </li> <li><span class="rank">2.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/nov/03/house-prices-rise-halifax" name="&lid={mostCommentedFromSection}{House prices rise by 1.2%, says Halifax}&lpos={trail}{2}" class="link-text">House prices rise by 1.2%, says Halifax</a> (23) </li> <li><span class="rank">3.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/blog/2009/nov/03/donate-money-former-university" name="&lid={mostCommentedFromSection}{Is it wise to donate money to my former university?}&lpos={trail}{3}" class="link-text">Is it wise to donate money to my former university?</a> (22) </li> </ol> </div> </div> </div> </div> <script type="text/javascript"> //<![CDATA[ if (document.getElementById && document.getElementsByTagName) { addEvent(window, "load", initShowHide); addEvent(window, "load", initFinanceTab ); } function initShowHide() { var toggle = document.getElementById('finance-guides-nav'); var as = toggle.getElementsByTagName('a'); for (var i = 0; i < as.length; i++) { as[i].onclick = function() { var allLinks = document.getElementById('finance-guides-nav').getElementsByTagName('a'); for (var ii = 0; ii < allLinks.length; ii++) { allLinks[ii].className = "inactive"; } show(this); this.className = "active"; return false; } } } function show(s) { hide(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hide() { var toggleable = document.getElementById('finance-guides').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { var divClass = toggleable[i].className; if(divClass.match(/finance-pane/)) { toggleable[i].style.display = 'none'; } } } function initFinanceTab(){ //Default tab to display is mortgages document.getElementById('finance-pane-anchor-0').onclick(); } //]]> </script> <div class="capsule"> <h3>Our selection of best buys</h3> <ul id="finance-guides-nav" class="tabs"> <li><a id="finance-pane-anchor-0" href="#finance-pane-0">Mortgages<b></b></a></li> <li><a id="finance-pane-anchor-1" href="#finance-pane-1">Credit cards<b></b></a></li> <li><a id="finance-pane-anchor-2" href="#finance-pane-2">Loans<b></b></a></li> <li><a id="finance-pane-anchor-3" href="#finance-pane-3">Savings<b></b></a></li> </ul> <div id="finance-guides" class="trailblock"> <div id="finance-pane-0" class="finance-pane active-pane"> <div class="finance-table"> <table id="mortgage-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">ING</th> <td>3.84%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4116&Type=F" name="&lid={compareAndBuyPromo}{ING|link|Money}&lpos={compareAndBuyPromo}{1}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>3.69%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4233&Type=F" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Woolwich</th> <td>1.98%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4172&Type=V" name="&lid={compareAndBuyPromo}{Woolwich|link|Money}&lpos={compareAndBuyPromo}{3}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20091105084303/http://guardian.lcplc-online.co.uk/bestbuy.aspx" name="&lid={compareAndBuyPromo}{See more mortgage best buys|link|Money}&lpos={compareAndBuyPromo}{4}"> See more mortgage best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20091105084303/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={compareAndBuyPromo}{Get a personal quote|link|Money}&lpos={compareAndBuyPromo}{5}"> Get a personal quote </a> </li> </ul> </div> <div id="finance-pane-1" class="finance-pane"> <div class="finance-table"> <table id="credit-card-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Name</th> <th scope="col">BT Rate</th> <th scope="col">BT Period</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Virgin Credit Card</th> <td>0%</td> <td>16 mths</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" name="&lid={compareAndBuyPromo}{Virgin Credit Card|link|Money}&lpos={compareAndBuyPromo}{6}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">NatWest Platinum</th> <td>0%</td> <td>15 mths</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{NatWest Platinum|link|Money}&lpos={compareAndBuyPromo}{7}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">MBNA Platinum</th> <td>0%</td> <td>Until 01/12/2010</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1824&ProviderID=553&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;218453250;41556954;i&CatID=163" name="&lid={compareAndBuyPromo}{MBNA Platinum|link|Money}&lpos={compareAndBuyPromo}{8}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cardsbestbuys" name="&lid={compareAndBuyPromo}{See more credit cards best buys|link|Money}&lpos={compareAndBuyPromo}{9}"> See more credit cards best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cards" name="&lid={compareAndBuyPromo}{Compare over 300 credit cards|link|Money}&lpos={compareAndBuyPromo}{10}"> Compare over 300 credit cards </a> </li> </ul> </div> <div id="finance-pane-2" class="finance-pane"> <div class="finance-table"> <table id="loan-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Typical APR</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>8.0%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={compareAndBuyPromo}{Sainsburys Personal Loan|link|Money}&lpos={compareAndBuyPromo}{11}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" name="&lid={compareAndBuyPromo}{See more loan best buys|link|Money}&lpos={compareAndBuyPromo}{12}"> See more loan best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loans" name="&lid={compareAndBuyPromo}{Compare over 500 loan providers|link|Money}&lpos={compareAndBuyPromo}{13}"> Compare over 500 loan providers </a> </li> </ul> </div> <div id="finance-pane-3" class="finance-pane"> <div class="finance-table"> <table id="savings-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">AER</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">SAINSBURYS FINANCE </th> <td>3.20%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=26212&Source=GU07&BestBuy=1" name="&lid={compareAndBuyPromo}{SAINSBURYS FINANCE |link|Money}&lpos={compareAndBuyPromo}{14}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">BIRMINGHAM MIDSHIRES </th> <td>3.15%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=26019&Source=GU07&BestBuy=1" name="&lid={compareAndBuyPromo}{BIRMINGHAM MIDSHIRES |link|Money}&lpos={compareAndBuyPromo}{15}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">TESCO PERSONAL FINANCE </th> <td>3.00%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=25942&Source=GU07&BestBuy=1" name="&lid={compareAndBuyPromo}{TESCO PERSONAL FINANCE |link|Money}&lpos={compareAndBuyPromo}{16}"> More </a> </td> </tr> </tbody> </table> <ul> <li class="link info"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=savingsbestbuys" name="&lid={compareAndBuyPromo}{See more savings account offers|link|Money}&lpos={compareAndBuyPromo}{17}"> See more savings account offers </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20091105084303/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparesavings" name="&lid={compareAndBuyPromo}{Compare over 4,000 savings accounts |link|Money}&lpos={compareAndBuyPromo}{18}"> Compare over 4,000 savings accounts </a> </li> </ul> </div> </div> </div> </div> <div class="capsule commercial"> <h3>Free finance guides</h3> <div class="services first"><a href="http://web.archive.org/web/20091105084303/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{1}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/sys-images/Money/Consumer/financialservicesbrochures/2008/10/29/MPA.gif" alt="View all brochures" height="78" width="130"/></a></div> <ul class="services"> <li><a href="http://web.archive.org/web/20091105084303/http://www.moneyguides.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=6839" name="&lid={financialServicesBrochures}{Recession investing}&lpos={trail}{2}">Recession investing</a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.onlinetradingservices.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=1909" name="&lid={financialServicesBrochures}{Online trading}&lpos={trail}{3}">Online trading</a></li> <li><a href="http://web.archive.org/web/20091105084303/http://www.isabrochures.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=1904" name="&lid={financialServicesBrochures}{ISAs}&lpos={trail}{4}">ISAs</a></li> </ul> <ul class="sublinks"> <li><a href="http://web.archive.org/web/20091105084303/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{5}">View all brochures</a></li> </ul> </div> <div class="capsule commercial slot"> <h3>Compare insurance</h3> <p class="linktext"> <a href="http://web.archive.org/web/20091105084303/http://www.money-deals.co.uk/travelinsurance.html" class="first" name="&lid={commercialSlotMachine}{Travel insurance}&lpos={trail}{1}">Travel insurance</a> </p> <a href="http://web.archive.org/web/20091105084303/http://www.money-deals.co.uk/travelinsurance.html" class="services first" name="&lid={commercialSlotMachine}{Travel insurance}&lpos={trail}{2}"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/sys-images/Guardian/Pix/commercial/2008/09/11/passport-and-money-travel-insurance-promo.jpg" alt="" height="78" width="130"/> </a> <p class="services">Book your annual multi-trip holiday insurance from £39 and single trip travel insurance from £2.50</p> </div> <div class="capsule commercial"> <h3>Property search</h3> <div id="find-a-property"> <ul class="tabs"> <li> <a href="#find-a-house-to-buy" class="active">Buy</a> </li> <li> <a href="#find-a-house-to-rent" class="inactive">Rent</a> </li> </ul> <div id="toggleable"> <div id="find-a-house-to-buy"> <form target="_top" method="post" action="http://web.archive.org/web/20091105084303/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Buy</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000">£3,000,000</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000" selected="selected">£3,000,000+</option> </select> </p> <p> <label for="bed">Min bedrooms:</label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="1" type="hidden"/> </p> <p class="results"> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> <div id="find-a-house-to-rent" class="initially-off"> <form target="_top" method="post" action="http://web.archive.org/web/20091105084303/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Rent</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="0" selected="selected">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000">£10,000 pcm</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="0">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000" selected="selected">£10,000 pcm</option> </select> </p> <p> <label for="bed">Min bedrooms: </label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="2" type="hidden"/> </p> <p> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> </div> <p id="zoopla-logo">Powered by <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/static/81552/common/images/zoopla-logo.gif" alt="zoopla.co.uk" class="inline-image"/></p> </div> </div> <script type="text/javascript"> //<![CDATA[ function CheckPostcode() { var ifaForm = document.getElementById('PCInput') var solicitorChecked = document.getElementById('FindASolicitor'); if(solicitorChecked.checked == true ) { ifaForm.action = 'http://web.archive.org/web/20091105084303/http://guardian.unbiased.co.uk/find-a-solicitor/' } else { ifaForm.action = 'http://web.archive.org/web/20091105084303/http://www.unbiased.co.uk/gu/input.asp' } var pc = jQ("#IFApostcode").attr('value'); if(pc.length<1) { alert('You have not entered your postcode'); return false; } else if ( pc.toUpperCase().match("[A-Z]{1,2}[0-9R][0-9A-Z]?[ ]?[0-9][A-Z]{2}") ) { return true; } else { alert(pc.toUpperCase() + ' is not a valid postcode'); return false; } _hbLink ('{findifa-search}','{findifa-search}{1}'); } //]]> </script> <div class="capsule" id="find-ifa"> <form action="http://web.archive.org/web/20091105084303/http://guardian.unbiased.co.uk/input.asp" id="PCInput" onsubmit="return CheckPostcode()"> <h3>Find local professional advice</h3> <h4>Search UK-wide for an independent financial advisor or legal expert in your local area who meets your personal requirements</h4> <div class="capsuleform"> <div class="text-input-row"> <label for="IFApostcode">Enter your postcode:</label> <input type="text" size="10" name="postcode" id="IFApostcode"/> </div> <div> <input type="radio" name="AreaSplitB" id="AreaSplitC" value="consumer"/><label for="AreaSplitC"><abbr>IFA</abbr>s for consumers</label> </div> <div> <input type="radio" name="AreaSplitB" id="AreaSplitB" value="business"/><label for="AreaSplitB"><abbr>IFA</abbr>s for businesses</label> </div> <div class="ifa-solicitor shower"> <input type="radio" name="AreaSplitB" id="FindASolicitor"/><label for="AreaSplitA">Solicitor</label> </div> <div class="submit"> <input type="submit" value="Search"/> </div> </div> </form> </div> <div class="capsule commercial credit-check"> <h3>Find out your credit rating</h3> <a href="http://web.archive.org/web/20091105084303/http://joincreditexpert.co.uk/guardian/" class="services first" name="&lid={creditCheck}{Get free access to your credit report and protect against identity fraud}&lpos={trail}{1}"><img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/sys-images/Money/Credit_and_debt/creditcheck/2007/09/03/creditcheck_block.jpg" alt="" height="78" width="130"/></a><p class="services"><a href="http://web.archive.org/web/20091105084303/http://joincreditexpert.co.uk/guardian/" class="services first" name="&lid={creditCheck}{Get free access to your credit report and protect against identity fraud}&lpos={trail}{2}">Get free access to your credit report and protect against identity fraud</a></p> </div> <div class="capsule" id="most-viewed"> <div id="most" class="tabs-container"> <h3>Most viewed on guardian.co.uk</h3> <ul class="tabs javascript-on"> <li id="most-1-link"> <a href="#most-1" class="active">24 hours</a> </li> <li id="most-2-link"> <a href="#most-2" class="inactive">7 days</a> </li> </ul> <div class="pane-wrapper"> <div id="most-1" class="most-pane tab-toggle-pane"> <h3 class="js-hider">24 hours</h3> <ol> <li class="first"> <span class="rank">1.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/world/2009/nov/02/south-africa-passenger-ejector-seat">Man accidentally ejects himself from plane</a> </li> <li> <span class="rank">2.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/football/2009/nov/04/champions-league-lyon-liverpool-latest">Champions League: Lyon v Liverpool - as it happened</a> </li> <li> <span class="rank">3.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/technology/blog/2009/nov/04/google-doodle-sesame-street-bigbird-40">Sesame Street: Google celebrates 40 years of Big Bird and the gang</a> </li> <li> <span class="rank">4.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/football/2009/nov/04/champions-league-arsenal-az-alkmaar">Champions League: Arsenal v AZ Alkmaar - live!</a> </li> <li> <span class="rank">5.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/uk/2009/nov/03/boris-johnson-attack-camden-london1">Boris Johnson saves woman from street attack</a> </li> <li class="more-most-viewed"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/mostviewed">More top stories</a> </li> </ol> </div> <div id="most-2" class="most-pane tab-toggle-pane initially-off"> <h3 class="js-hider">7 days</h3> <ol> <li class="first"> <span class="rank">1.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/world/2009/nov/02/south-africa-passenger-ejector-seat">Man accidentally ejects himself from plane</a> </li> <li> <span class="rank">2.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/film/2009/nov/02/matrix-producer-plans-muhammad-biopic">Matrix producer plans Muhammad biopic</a> </li> <li> <span class="rank">3.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment/green-living-blog/2009/oct/28/live-without-money">I live without cash – and I manage just fine | Mark Boyle</a> </li> <li> <span class="rank">4.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/world/2009/oct/29/somalia-man-112-marriage">Somali man aged 112 marries girl of 17</a> </li> <li> <span class="rank">5.</span> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/sport/blog/2009/oct/29/cristiano-ronaldo-jan-molby-classic-youtube">Cristiano Ronaldo singing, Jan Molby's mythical goal and pigeon special teams | Classic YouTube</a> </li> <li class="more-most-viewed"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/mostviewed">More top stories</a> </li> </ol> </div> </div> </div> </div> <div class="capsule bookshop-books sponsored-features commercial"> <h3>Free P&P at the Guardian bookshop</h3> <ul class="books"> <li class="odd"> <div class="book-cover"> <a href="http://web.archive.org/web/20091105084303/http://www.guardianbookshop.co.uk/BerteShopWeb/viewProduct.do?ISBN=9780500258606" name="&lid={bookshop}{Athanasius Kirchers Theatre of the World|picture|Money}&lpos={bookshop}{1}"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk//thirdparty/bookshop/hbA/9780500258606.jpg" alt="Athanasius Kircher's Theatre of the World" height="100"/> </a> </div> <div class="book-text"> <ul> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardianbookshop.co.uk/BerteShopWeb/viewProduct.do?ISBN=9780500258606" name="&lid={bookshop}{Athanasius Kirchers Theatre of the World|link|Money}&lpos={bookshop}{2}">Athanasius Kircher's Theatre of the World</a></li> <li class="book-price">£40.00 with free UK delivery</li> </ul> </div> </li> <li> <div class="book-cover"> <a href="http://web.archive.org/web/20091105084303/http://www.guardianbookshop.co.uk/BerteShopWeb/viewProduct.do?ISBN=9780300154535" name="&lid={bookshop}{Behind Closed Doors|picture|Money}&lpos={bookshop}{3}"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk//thirdparty/bookshop/hbA/9780300154535.jpg" alt="Behind Closed Doors" height="100"/> </a> </div> <div class="book-text"> <ul> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardianbookshop.co.uk/BerteShopWeb/viewProduct.do?ISBN=9780300154535" name="&lid={bookshop}{Behind Closed Doors|link|Money}&lpos={bookshop}{4}">Behind Closed Doors</a></li> <li class="book-price">£18.99 with free UK delivery</li> </ul> </div> </li> </ul> <ul class="vertical-links"> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardianbookshop.co.uk/BerteShopWeb/customPage.do?CMSFragment=BestSellers.jsp&title=Bestsellers" name="&lid={bookshop}{Browse the bestseller lists}&lpos={trail}{5}" style="display: inline;">Browse the bestseller lists</a> </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/buybooks" name="&lid={bookshop}{Buy books}&lpos={trail}{6}" style="display: inline;">Buy books from the Guardian Bookshop</a> </li> </ul> </div> <div id="sponsored-features" class="capsule sponsored-features commercial"> <script type="text/javascript"> //<![CDATA[ function showSponsoredFeatures() { var sponsoredFeatureComponent = document.getElementById('sponsored-features'); if(sponsoredFeatureComponent) { sponsoredFeatureComponent.style.display = 'block'; } } //]]> </script> <ul class="trail trailblock tri"> <li class="major-heading"> <h3>Sponsored features</h3> </li> <li class="normal image odd"> <script type="text/javascript" src="http://web.archive.org/web/20091105084303js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature1&comfolder=insurance&keywords=%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment&rand=-784754377&system=article&blockVideoAds=false&partnerid=&"></script> </li> <li class="normal image"> <script type="text/javascript" src="http://web.archive.org/web/20091105084303js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature2&comfolder=insurance&keywords=%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment&rand=716418247&system=article&blockVideoAds=false&partnerid=&"></script> </li> </ul> </div> <div id="intrusive"> <script type="text/javascript"> //<![CDATA[ if(true) { buildIntrusiveAd('http://web.archive.org/web/20091105084303/http://ads.guardian.co.uk', 'broadband', '666279285', 'insurance', '%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C', '%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment', 'Money', 'article', 'false', '0243309', ''); } //]]> </script> </div> <script type="text/javascript"> google_ad_client = 'ca-guardian_js'; google_ad_channel = 'Money'; </script> <script> google_max_num_ads = '3'; </script> <div id="google-ads-container" class="money component capsule advertiser-links" style="display: none;"></div> <script type="text/javascript"> //<![CDATA[ if (true) { generateScriptTag("http://web.archive.org/web/20091105084303/http://pagead2.googlesyndication.com/pagead/show_ads.js"); } // ]]> </script> </div> <div class="section" id="more-in-series"> <h3>More from <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={moreInSeries}{More from index}&lpos={moreInSeries}{1}">Dear Anna</a></h3> <ul> <li class="series no-description"> <h4>Latest: </h4> <p> 30 Oct 2009: <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/30/marks-spencer-delivery-delay" name="&lid={moreInSeries}{Latest}&lpos={moreInSeries}{2}"> This is not just any delay, this is an 'unacceptable' M&S delay </a> </p> </li> <li class="series no-description"> <h4>Previous: </h4> <p> 16 Oct 2009: <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/16/quinn-car-insurance-price-rise" name="&lid={moreInSeries}{Previous}&lpos={moreInSeries}{3}"> QUINN is quids in over car insurance premium price rise </a> </p> </li> </ul> <p class="link-to-index"><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={moreInSeries}{Index}&lpos={moreInSeries}{4}">Dear Anna index</a></p> </div> <div class="related-content"> <h3 class="first" id="relatedInformation">Related information</h3> <div id="keyword-rule-wrapper"> <div class="relatedlinks" class="capsule"> <h3 class="first"><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money" name="&lid={inlineKeyword}{Money}&lpos={inlineKeyword}{1}">Money</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/lifeinsurance" name="&lid={inlineKeyword}{Life insurance}&lpos={inlineKeyword}{2}" rel="tag">Life insurance</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/insurance" name="&lid={inlineKeyword}{Insurance}&lpos={inlineKeyword}{3}" rel="tag">Insurance</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/consumer-affairs" name="&lid={inlineKeyword}{Consumer affairs}&lpos={inlineKeyword}{4}" rel="tag">Consumer affairs</a> · </li> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/scamsandfraud" name="&lid={inlineKeyword}{Scams}&lpos={inlineKeyword}{5}" rel="tag">Scams</a> </li> </ul> <h3>Series</h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/series/dearanna" name="&lid={inlineKeyword}{Dear Anna}&lpos={inlineKeyword}{6}">Dear Anna</a> </li> </ul> </div> </div> <div class="related-item"> <p class="thumb"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment/gallery/2009/apr/16/green-your-home-guardian-makeovers" onclick="return openGalleryPopup('http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment/gallery/2009/apr/16/green-your-home-guardian-makeovers', 796);" name="&lid={relatedContent}{The Guardians Green your home bloggers open their doors}&lpos={relatedContent}{1}"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/sys-images/Guardian/Pix/pictures/2009/4/16/1239897840041/Green-your-home-flickr-gr-003.jpg" alt="Green your home flickr group Andy Phipps house"/></a> </p> <p class="linktext "> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment/gallery/2009/apr/16/green-your-home-guardian-makeovers" onclick="return openGalleryPopup('http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/environment/gallery/2009/apr/16/green-your-home-guardian-makeovers', 796);" name="&lid={relatedContent}{The Guardians Green your home bloggers open their doors}&lpos={relatedContent}{2}">The Guardian's Green your home bloggers open their doors</a> <p class="trailtext"> <span class="date">20 Apr 2009: </span> <p>Five bloggers are embarking on green makeovers of their homes for a new Guardian series</p> </p> <div class="related-footer"> <a href="/web/20091105084303/http://www.guardian.co.uk/inpictures" name="&lid={relatedContent}{Gallery home}&lpos={relatedContent}{3}">More galleries</a> </div> </p> </div> <div class="related-item multi"> <h5 class="date"> 10 Sep 2009</h5> <p class="linktext"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/sep/10/having-a-baby-maternity-paternity" name="&lid={relatedContent}{How to prepare for having a baby}&lpos={relatedContent}{1}"> How to prepare for having a baby</a> </p> <h5 class="date"> 5 Sep 2009</h5> <p class="linktext"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/sep/05/aviva-death-benefit-insurance-claim" name="&lid={relatedContent}{Avivas lack of care over death abroad}&lpos={relatedContent}{2}"> Aviva's lack of care over death abroad</a> </p> <h5 class="date"> 27 Jun 2009</h5> <p class="linktext"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/jun/27/funeral-plan" name="&lid={relatedContent}{Death benefit plans arent good for you}&lpos={relatedContent}{3}"> Death benefit plans aren't good for you</a> </p> <h5 class="date"> 2 Sep 2008</h5> <p class="linktext"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/uk/2008/sep/02/ukcrime" name="&lid={relatedContent}{Husband faked death in life insurance scam}&lpos={relatedContent}{4}"> Husband faked death in life insurance scam</a> </p> </div> <div class="related-item last"> <p class="thumb"> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/society/video/2009/jan/07/show-tell-rural-poverty" title="Video will start automatically on this page" name="&lid={relatedContent}{Show & Tell}&lpos={relatedContent}{1}"> <img src="http://web.archive.org/web/20091105084303im_/http://static.guim.co.uk/sys-images/Society/Pix/pictures/2009/01/06/ShowandtellSMALL.jpg" alt="Still from the Show and Tell documentary"/></a> </p> <p class="linktext "> <a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/society/video/2009/jan/07/show-tell-rural-poverty" title="Video will start automatically on this page" name="&lid={relatedContent}{Show & Tell}&lpos={relatedContent}{2}">Show & Tell</a> <p class="trailtext"> <span class="date">7 Jan 2009: </span> <p>In a documentary highlighting the widespread problem of rural poverty, contributors talk frankly about the hardships they face</p> </p> <div class="related-footer"> <a href="/web/20091105084303/http://www.guardian.co.uk/video" name="&lid={relatedContent}{Video home}&lpos={relatedContent}{3}">More video</a> </div> </p> </div> </div> <div id="footer" class="money footer"> <ul id="footer-links"> <li><a href="http://web.archive.org/web/20091105084303/http://syndication.guardian.co.uk/" name="&lid={areas/common/footer}{License/buy our content}&lpos={areas/common/footer}{1}">License/buy our content</a> | </li> <li><a href="/web/20091105084303/http://www.guardian.co.uk/Users/help/article/0,,933905,00.html" name="&lid={areas/common/footer}{Privacy policy}&lpos={areas/common/footer}{2}">Privacy policy</a> | </li> <li><a href="/web/20091105084303/http://www.guardian.co.uk/Users/help/article/0,,933909,00.html" name="&lid={areas/common/footer}{Terms/conditions}&lpos={areas/common/footer}{3}">Terms & conditions</a> | </li> <li><a href="http://web.archive.org/web/20091105084303/http://adinfo-guardian.co.uk/" name="&lid={areas/common/footer}{Advertising guide}&lpos={areas/common/footer}{4}">Advertising guide</a> | </li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/help/accessibility" name="&lid={areas/common/footer}{Accessibility}&lpos={areas/common/footer}{5}">Accessibility</a> | </li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/index/subjects/a" name="&lid={areas/common/footer}{A-Z index}&lpos={areas/common/footer}{6}">A-Z index</a> | </li> <li><a href="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/help/insideguardian" name="&lid={areas/common/footer}{Inside guardian.co.uk blog}&lpos={areas/common/footer}{7}">Inside guardian.co.uk blog</a> | </li> <li><a href="/web/20091105084303/http://www.guardian.co.uk/Guardian/information/0,,711853,00.html" name="&lid={areas/common/footer}{About guardian.co.uk}&lpos={areas/common/footer}{8}">About guardian.co.uk</a> | </li> <li><a href="http://web.archive.org/web/20091105084303/http://dating.guardian.co.uk/s/" name="&lid={areas/common/footer}{Join our dating site today}&lpos={areas/common/footer}{9}">Join our dating site today</a></li> </ul> <ul id="copyright-links"> <li>guardian.co.uk © Guardian News and Media Limited 2009</li> </ul>  <form id="section-selector" method="post" action="http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/redirect/1,,,00.html"> <fieldset> <label for="go-to">Go to: </label> <select id="go-to" name="Url"> <option value="http://www.guardian.co.uk">guardian.co.uk home</option> <option value="http://www.guardian.co.uk/uk">UK news</option> <option value="http://www.guardian.co.uk/world">World news</option> <option value="http://commentisfree.guardian.co.uk/index.html?gusrc=gpd">Comment is free blog</option> <option value="http://www.guardian.co.uk/news/blog">Newsblog</option> <option value="http://www.guardian.co.uk/sport/blog">Sport blog</option> <option value="http://www.guardian.co.uk/culture/cultureblogs/roundup">Arts & Entertainment blog</option> <option value="http://www.guardian.co.uk/audio">Audio & podcasts</option> <option value="http://www.guardian.co.uk/inpictures">In pictures</option> <option value="http://www.guardian.co.uk/video">Video</option> <option value="http://browse.guardian.co.uk/search">Archive search</option> <option value="http://www.guardian.co.uk/culture">Arts & entertainment</option> <option value="http://www.guardian.co.uk/books">Books</option> <option value="http://www.guardian.co.uk/business">Business</option> <option value="http://www.guardian.co.uk/education">EducationGuardian.co.uk</option> <option value="http://www.guardian.co.uk/environment">Environment</option> <option value="http://www.guardian.co.uk/film">Film</option> <option value="http://www.guardian.co.uk/football">Football</option> <option value="http://jobs.guardian.co.uk/">Jobs</option> <option value="http://www.guardian.co.uk/katine">Katine appeal</option> <option value="http://www.guardian.co.uk/lifeandstyle">Life & style</option> <option value="http://www.guardian.co.uk/media">MediaGuardian.co.uk</option> <option value="http://www.guardian.co.uk/money">Money</option> <option value="http://www.guardian.co.uk/music">Music</option> <option value="http://observer.guardian.co.uk">The Observer</option> <option value="http://www.guardian.co.uk/politics">Politics</option> <option value="http://www.guardian.co.uk/science">Science</option> <option value="http://www.guardian.co.uk/lifeandstyle/shopping">Shopping</option> <option value="http://www.guardian.co.uk/society">SocietyGuardian.co.uk</option> <option value="http://www.guardian.co.uk/sport">Sport</option> <option value="http://www.guardian.co.uk/index/talk/0,,,00.html?gusrc=gpd">Talk</option> <option value="http://www.guardian.co.uk/technology">Technology</option> <option value="http://www.guardian.co.uk/travel">Travel</option> <option value="http://www.ivebeenthere.co.uk/?gusrc=gpd">Been there</option> <option value="http://www.guardian.co.uk/subscription-services">Subscription services</option> <option value="http://www.guardian.co.uk/emailservices/0,,1368460,00.html">Email services</option> <option value="http://www.guardian.co.uk/index/subjects/a">Special reports</option> <option value="http://www.guardian.co.uk/theguardian">The Guardian</option> <option value="http://www.guardian.co.uk/uk/series/northerner">The Northerner</option> <option value="http://www.guardian.co.uk/news/series/wrap">The Wrap</option> <option value="http://adinfo-guardian.co.uk/?gusrc=gpd">Advertising guide</option> <option value="http://www.ogenterprises.co.uk/?gusrc=gpd">Compare finance products</option> <option value="http://www.guardian.co.uk/crossword/0,,,00.html?gusrc=gpd">Crossword</option> <option value="http://www.guardian.co.uk/feedback/0,,,00.html?gusrc=gpd">Feedback</option> <option value="http://www.guardiangardencentre.co.uk/?gusrc=gpd">Garden centre</option> <option value="http://www.guardian.co.uk/pressoffice/0,,,00.html?gusrc=gpd">GNM Press Office</option> <option value="http://www.guardian.co.uk/graduate/0,,1777545,00.html">Graduate</option> <option value="http://www.guardianbookshop.co.uk/BerteShopWeb/home.do?gusrc=gpd">Bookshop</option> <option value="http://www.guardianecostore.co.uk/guardian/default.aspx?gusrc=gpd">Guardian Ecostore</option> <option value="http://www.guardian.co.uk/news/guardianfilms">Guardian Films</option> <option value="http://www.guardian.co.uk/headlineservice/0,,,00.html?gusrc=gpd">Headline service</option> <option value="http://www.guardian.co.uk/gu_contacts/0,,180767,00.html">Help / contacts</option> <option value="http://www.guardian.co.uk/information/0,,,00.html?gusrc=gpd">Information</option> <option value="http://www.guardian.co.uk/values/0,,,00.html?gusrc=gpd">Living our values</option> <option value="http://www.guardian.co.uk/newsroom/0,,,00.html?gusrc=gpd">Newsroom</option> <option value="http://www.guardian.co.uk/notesandqueries/0,,,00.html?gusrc=gpd">Notes & Queries</option> <option value="http://www.guardian.co.uk/promotions">Promotions</option> <option value="http://www.guardianoffers.co.uk/mall/GuardianOffers/?gusrc=gpd">Reader Offers</option> <option value="http://www.guardian.co.uk/theguardian/page/readerseditor">Readers' editor</option> <option value="http://dating.guardian.co.uk/s/?gusrc=gpd">Soulmates dating</option> <option value="http://www.guardian.co.uk/styleguide">Style guide</option> <option value="http://syndication.guardian.co.uk/?gusrc=gpd">Syndication services</option> <option value="http://www.guardian.co.uk/travel/bookatrip">Travel offers</option> <option value="http://www.guardian.co.uk/TV/0,,,00.html?gusrc=gpd">TV listings</option> <option value="http://www.guardian.co.uk/weather">Weather</option> <option value="http://www.gnmcareers.co.uk/fe/tpl_GuardianNews01.asp">Working for us</option> <option value="http://www.guardianweekly.co.uk/?gusrc=gpd">Guardian Weekly</option> <option value="http://www.guardian.co.uk/public/0,,,00.html?gusrc=gpd">Public</option> <option value="http://www.learnthings.co.uk/">Learn</option> <option value="http://www.guardian.backissuenewspapers.co.uk/default.aspx?gusrc=gpd">Guardian back issues</option> <option value="http://www.observer.backissuenewspapers.co.uk/default.aspx?gusrc=gpd">Observer back issues</option> <option value="http://guardianprofessional.co.uk/?gusrc=gpd">Guardian Professional</option> </select> <input type="submit" value="Go"/> </fieldset> </form> </div> </div> <script type="text/javascript" language="javascript"> var commentRecommendingClosed = true </script> <script type="text/javascript" language="javascript"> // <![CDATA[ if (true) { serverUrl = "http://web.archive.org/web/20091105084303/http://sitelife.guardian.co.uk/ver1.0/Direct/Process"; if (true) { generateScriptTag('http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/serversidepluck.js'); } else { generateScriptTag("http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/pluck.js"); } } // ]]> </script> <script type="text/javascript" language="javascript"> // <![CDATA[ if(true) { if (true) { ensurePackage("guardian.r2.serverSidePluck"); } else { ensurePackage("guardian.r2.pluck"); } contextInstance = function () { var profilePageUser = { id : "", name : "", pageUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/" }; var loggedOnUser = { id : "", name : "" }; var articleInfo = { articleId : "354560322", pageUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment", pageTitle : "AXA Sun Life fails to shine over duplicate payment conundrum", sectionKeyWordId : "8814", sectionName : "Money", commentingClosed : true , commentRecommendingClosed: true , premoderation : false , isChalkboard : false }; var chalkboardInfo = { articleId : "", pageUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment", pageTitle : "Chalkboard", sectionKeyWordId : "8814", sectionName : "Money", commentingClosed : false, commentRecommendingClosed: false, premoderation : false, isChalkboard : true }; var filmInfo = { filmKey : 'Film:' }; var env = { pageId : "1294198", commentsSignUpUrl : 'http://web.archive.org/web/20091105084303/http://users.guardian.co.uk/signup/tr/1,,-720,00.html', cookieDomain : '.guardian.co.uk', staticRoot : 'http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/', userProfileUrlPrefix : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users", addClippingsUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/clippings/add", commentDataUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/external/commentdata/keywords", topKeywordsUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/external/users/topkeywords", commentCountsServiceUrl : "http://web.archive.org/web/20091105084303/http://www.guardian.co.uk/users/pluck/getCommentCounts.js" }; var parameters = { commentPage : 1 , scrollToComments : false , showAllComments : null , commentId : null , goToLastComment : false , showCommentBox : false , isEditProfilePage : ( false ), searchString : ( null ) }; if(document.location.hash === '#allcomments') { parameters.showAllComments = true; } var serverData = { articleInfo : articleInfo, chalkboardInfo : chalkboardInfo, filmInfo : filmInfo, env : env, profilePageUser : profilePageUser, parameters : parameters, loggedOnUser : loggedOnUser }; var ctx; if (true) { ctx = new guardian.r2.serverSidePluck.PluckApplicationContext(serverData); } else { ctx = new guardian.r2.pluck.PluckApplicationContext(serverData); } return function(){ return ctx; }; }(); if (true) { guardian.r2.serverSidePluck.PluckApplicationContext.getInstance = contextInstance; } else { guardian.r2.pluck.PluckApplicationContext.getInstance = contextInstance; } } // ]]> </script> <script type="text/javascript" language="javascript"> // <![CDATA[ if(true) { var ctxProvider; if (true) { ctxProvider = guardian.r2.serverSidePluck.PluckApplicationContext; } else { ctxProvider = guardian.r2.pluck.PluckApplicationContext; } ctxProvider.getInstance().buildControllers("PluckCommentCountController, PluckCommentController, PluckCommentBoxController") } // ]]> </script> <script type="text/javascript"> //<![CDATA[ if(true) { ensurePackage("guardian.r2.revsci"); guardian.r2.revsci.cookieDomain = '.guardian.co.uk'; guardian.r2.revsci.gu_geo_country = 'usa'; guardian.r2.revsci.siteName = 'Money'; guardian.r2.revsci.commercialFolder = 'Insurance' addEvent(null, 'load', function () { importScript('http://web.archive.org/web/20091105084303/http://js.revsci.net/gateway/gw.js?csid=E05516', function() { importScript('http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/revsci.js', function() { rs_initTracking(); }, 1) }, 1) }); } // ]]> </script> <noscript> <div><img src="http://web.archive.org/web/20091105084303im_/http://pix01.revsci.net/E05516/a3/0/0/0/0/0/0/0/0/0/noscript.gif" alt=""/></div> </noscript> <script type="text/javascript"> //<![CDATA[ if(true) { addEvent(null, 'load', function () { importScript("http://web.archive.org/web/20091105084303/http://static.guim.co.uk/static/81552/common/scripts/sophusThree-tracking.js", function() {}); }); } // ]]> </script> <div id="cookie"> <script type="text/javascript"> //<![CDATA[ if(true) { var src = 'http://web.archive.org/web/20091105084303/http://ads.guardian.co.uk/js.ng/spacedesc=cookie&comfolder=insurance&keywords=%2CLife%2Binsurance%2B%28Money%29%2CInsurance%2CConsumer%2Baffairs%2B%28Money%29%2CScams%2B%28Money%29%2CMoney%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Foct%252F23%252Faxa-sun-life-duplicate-payment&rand=21287937&series=25421&system=article&blockVideoAds=false&partnerid=&'; generateScriptTag(src); } //]]> </script> </div> </body> </html>

CINXE.COM

AXA Sun Life fails to shine over duplicate payment conundrum | Money | guardian.co.uk