fpg wrote:I have also had the "inspire" plan on moratorium basis when I applied (that was around 2 years ago) for my spouse's Residence Card and everything went fine. Now we moved to Aviva as it came out to be cheaper for 2 persons. I was under the impression(I might be wrong) that the majority of insurance plans are on a moratorium basis, as it is easier for the insurance companies. And while researching in these forums when I was about to decide about my plan I don't remember anyone mentioning being rejected because the plan was on a moratorium basis.
I guess I was either lucky or they changed their policy at the home office.
Hi,
Thank you so much for sharing this. I was hoping to hear something in regards to the exact same policy me and my husband hold.
The only reason why I wanted to change this policy was because of the moratorium based problem and because I have little knowledge about these things i.e. excess and underwriting, I just believed what the decision maker stated on the decision letter.
To be really honest I am certain that the refusal was totally wrong and simply due to laziness and carelessness by the decision maker. He literally refused our application on two invalid reasons:
ONE – Decision maker suspect that EEA national (me) is not a real student as he was not able to speak to anyone from the college to confirm this.
TWO - Due to the CSI and as it is moratorium based.
One thing I must admit is that I forgot to submit a college letter later on as at the time we applied college had just started and I only had a induction week letter which I submitted with the application and totally forgot to send evidence later on.
However the decision maker did state to have called the college (reception number) and not being able to speak to anyone which I think is a ridiculous reason to refuse the application.
In regards to the CSI I submitted a “certificate of registration” as proof. The decision maker states that there was not enough proof of holding CSI and that the policy is moratorium based.
I contacted the decision maker with enough study proof as also proof of CSI later though on his reply he stated that the college letter is acceptable but he could not change the decision to refuse the application.
Anyone else with a moratorium based policy that was accepted?
My husband and I planned to submit another application as our appeal is still waiting to be listed for a hearing it has already been 6 months and they say it could take up to 12 months.
We went to a solicitor last week who actually advised us to submit a new application and he also said that in case we would win the appeal my husband’s visa would not be backdated and probably have the start date as when the appeal was won. I could not believe this, Is this true?
OMG so many questions!
Thanks for any advise.
