Tina was fired by text without a payoff – so she used a little known insurance policy and netted thousands

When Tina Chummun received a text message from the boss without a paid notification period, he was afraid of how to pay his career and bills.

Tina was working on marketing for a starting company that specializes in providing menopause support and was proud of its work.

However, during the weeks that led to dismissal in April last year, relations at work were stretched.

Tina says her personal phone is bombed with WhatsApp messages sometimes until 11 o’clock at night.

Furthermore, he was struggling with painful side effects of severe perimenopausal symptoms and incorrect hormone replacement treatment medicine.

49 -year -old Tina listened to the disease at home while the shock message landed on the phone.

Tina, who lives in Northamponshire, Kettering, returned to work on Monday after receiving a few days leave due to symptoms.

He says it’s still not good, but he doesn’t want to devote more time. However, his boss, a medical doctor, said he didn’t want him there unless Tina could work at full capacity. He was immediately sent home.

Later on that day, a message appeared on his phone. “Working dynamics does not go as I hope… Now we have to separate ways.”

Later on the same day, Tina received an e -mail from the employer that he was dismissed for gross abuse and no notification period or payment.

Among the reasons, they accused him of bad performance and claimed that he had a permission to talk to menopause concerns with one of the company’s doctors free of charge. Tina says her boss advised him to do it.

“I am really sorry when I bought the text, Ta Tina says. “ I used to put a lot of energy to the job I produced. I wanted the job. I also started to panic about what would happen to my mortgage and career. ‘

After the shock decreased, Tina knew she had to fight.

He dug a legal expense policy with only £ 27 for two -year protection, stole the number and prepared to fight the company in court.

Tina received Cover, a family legal protection policy provided by BDELITE a few years before the advice of a colleague.

He did not hesitate to receive a policy to cover these costs by paying for discrimination in the workplace for the previous three times and paying to his lawyer.

He was given a legal team that helped him collect evidence to do his case and write a witness statement that details what had happened.

At the Employment Court, a lawyer was given a lawyer to fight his corner. When Tina finds the employer

The court filed a counterclaim of a doctor who has deceived a doctor to give a medical consultation to a doctor by making a doctor medical, long and expensive.

A year after Tina’s dismissal, he decided in favor of the judge in the court and the gross abuse was fired.

The decision meant that the employer had to pay £ 12,500 to meet the notification time. More than £ 15,000 legal fees were paid thanks to the insurance policy.

Without his policy, he couldn’t challenge his dismissal. He says: ‘I am an honest and real person, and I was accused of something I didn’t do wrong.

Throughout the court, I was sitting there with a ton of concern because they decided my destiny. When I heard the decision, I drowned in tears. I am very grateful to the legal team, they really saved me. I recommended this policy to all my friends. ‘

In fact, it is not always necessary to remove one of these independent policies.

Millions of households have similar legal policies to include invoices if they face an employment court or another legal war, but they do not even know that they have.

According to the Financial Behavior Authority Watchdog, approximately 15 million households are estimated to have legal expenses as a standard feature of home insurance.

KAPANANAN: According to the financial behavior authority, approximately 15 million households are estimated to have legal expenses as a standard feature of home insurance.

One quarter of the policies includes the legal scope as the standard that households may be unaware that they have been in the hands of the policy or not to read the provisions and conditions thoroughly.

You can also purchase legal expense insurance as an independent policy, Tina’s home insurance is not placed in your policy or if it is not presented as an add -on.

There are two types of lids: family legal insurance and motor legal insurance, also known as home legal cover.

The motor includes policy holders only for motor -related events such as uninsured loss requests and injuries in your vehicle.

Family law insurance covers much wider legal problems.

For example, policy holders are covered for cases of medical or clinical neglect, where the surgery is not correctly performed, a dentist has made the wrong female or neglected during birth, says Angela Pilley, financial product experts from the death.

For example, disagreements with retailers or trades if you have purchased something wrong and have been rejected or a kitchen is installed incorrectly.

If you are struggling with a dispute with your neighbor on a fence or wall, or if someone else’s building work damages your property, your policy will help you pay for legal action.

According to Aviva, which includes legal expenses, it includes employment issues such as the most common demands or add -on, such as property disagreements such as unjust dismissal (27 percent of cases), border problems (23 percent), and weak labor (20 percent) by a tradesman.

The legal cover is usually selected in addition to your engine or legal insurance. According to the Ratings company Kezqto, 59 percent of the 253 home content in the market offers a legal scope of the family as an optional extra.

Hiscox Group request director Steve Parry says: ‘Legal costs provide customers access to high -quality legal advice without making significant legal costs.

‘A dispute between landlords, businesses or drivers can become a quick and easily complex legal issue, so the scope of legal costs brings real peace.’

According to the insurance broker Russell Scanlan, the cost of the legal cover of the family and motor starts at £ 20 and £ 15 respectively. Independent and add -on insurances are similar to the price.

The insured is usually limited to £ 50,000 for family law and £ 100,000 for engine. Unlike other types of insurance, demands are not paid to the policy holders, they go directly to the law firm to pay money services.

There are some restrictions to be considered. Sharron Torr, Russell Scanlan says: ‘Insurers use a lawyer panel, so you are not free to choose yourself. In addition, there must be a 60 percent chance of recovery to adopt a claim. ‘

Your request may not be related to a subject that takes place before your policy starts, and some policies will not guarantee for employment disagreements between 30 and 180 days after the insurance is removed.

• Have you used home insurance for a legal war? Send E -POSTE TO MONEYMail@DAILYMail.CO.UK