Complaint to your bank about the insurance tied to your loan (own policy, endorsement, premium refund)

We draft your complaint to the bank about the insurance attached to your loan: if it did not let you choose your own insurance, refuses to accept the endorsement of your policy, charged you for endorsing your desgravamen, will not refund the premium after a prepayment, or added coverages without your consent. It quotes the SBS rules word for word. It is not legal advice or representation.

This is not legal advice or representation. We draft a complaint (reclamo) to your bank, caja or lender about the insurance attached to your loan. Depending on what you tick, it quotes word for word article 27 of the Market Conduct Regulation for the Financial System and articles 27.2 and 33.1 and the Fifth Final Complementary Provision of the insurance regulation, which we explain in credit life insurance, endorsement and refinancing. Your own policy must meet the conditions the bank gave you beforehand: the rule does not make the bank accept any policy. The bank has up to fifteen business days to answer; if it does not, or rejects your complaint, you can go to Indecopi. The letter does not cover lawsuits.

Your full name *

Your DNI or carné de extranjería *

Your address (optional, but recommended)

Name of the bank or financial institution *

Loan or application number (optional) Never enter a full card or account number.

Date of the problem *

What happened with the insurance? *

The bank did not tell me I could choose other insurance, or made me take its own

The bank refuses the endorsement of my own policy, which meets its conditions

I want to replace the desgravamen with a life insurance policy I already have

I was charged a fee for endorsing my own desgravamen

I prepaid and the unused part of the single desgravamen premium is not being refunded

Extra coverages were added to the desgravamen without my express consent

The desgravamen is charged on the original amount, not on what I still owe

Tick everything that applies.

Your insurer and policy number, if you took out your own insurance (optional)

Date of your prepayment, if you are asking for a premium refund (optional)

Describe what happened * What you were told, which conditions you were given, how much you were charged and when, what evidence you have. Use your own words.

Anything else you want to ask for (optional)

Amount in dispute, in soles (if applicable)

It is a draft that you review and file yourself. It is not legal advice or representation. Delivering it is free and you do not need a lawyer; what you pay for is the drafting.

What happens to what you type

We keep what you type into this form only to build the document. If you do not pay, it is deleted automatically after 2 hours. If you pay, it is deleted 24 hours after payment, together with the download link.
This assistant uses no artificial intelligence: the document comes from a fixed template, and your text is not sent to any AI service.
Payment is processed by Culqi. We never see or store your card details. The email you give for the receipt is sent to Culqi, which issues the receipt; Mis Derechos does not keep it.

More detail, and how to ask us to delete your data sooner: privacy policy (Ley 29733).

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