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theunknownstuntman | I have a PPI policy on a personal loan and.................? |
I have been claiming on it for a while now. At first I claimed because I was made redundant. I got another job after several months and on my first day back I became ill. I was recently diagnosed as having MS and so I contacted the insurer and was told that I'm not covered for disability and that it's classed as illness and payments would stop after twelve months. The loan is with Northern Rock and was taken out over the phone I was offered PPI and took their top level of cover. Was I missold this policy as I'm now out of work permanently and they will not pay? |
 |
 
garstard
 |
The FSA are taking a very keen interest in the sale of PPI policies at the moment, because of fears that they have not been properly explained when they are sold. But, the only way to test this woudl be to make a complaint to the company. You may not necessarily be excluded from making this claim for mis-selling just because you've used part of the benefit before. But it does sound a bit tricky.
If you're unhappy make your complaint. And if you're still unhappy you have the right of referral to the Financial Ombudsman service. |
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jeanimus
|
Probably not missold. But not all policies cover every eventuality, they cover either illness or disabiltiy for example. You should have been sent a copy of the PPI policy and given a cooling off period to cancel it. They will assume that if you dont cancel it, you have read and accepted all the terms and conditions even if you havent. Most people dont remember if this has happened, but if it hasnt, then it will have been missold. The difficult thing is proving it to Northern Rock. |
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Julimk
|
Just because a claim isn't covered does not necessarily mean that the policy was mis-sold - whether it was mis-sold would depend on what happened at the time of the sale, for example, was the cover explained?
As I understand it from your question it is not the case that the claim will not be paid but rather that it will be limited to 12 months. The vast majority of PPI policies only pay claims for up to 12 months, as these policies are designed to provide short term cover during periods of temporary unemployment or sickness.
If the policy was mis-sold the most common remedy is to cancel the policy and refund any premium(s) paid. This is because it puts the consumer back in the position they would have been in if the disputed policy had never been taken out. However, this would mean that it is as if there had never been any cover in place, so you would have to repay the benefits received for the redundancy claim and would not be entitled to any payment for the sickness claim. Therefore, if the amount you received for the redundancy claim plus the amount you will get for the sickness claim is more than the premium(s) paid it is unlikely to be worth your while disputing the sale. |
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nickthesurfer
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You didn't read your policy before signing, so sadly it's your error. Plus you have claimd on it already, so you truely have accepted the terms and conditions. |
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zocko
|
read your policy. |
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JOHN A
|
Firstly I am sorry to hear that bro,
Secondly it is sounding very much like you were miss sold this policy. Most ppi policy's worth their salt should include critical illness cover. That would mean if you were suddenly unable to work your loans would be paid.
Second, did you sign the agreement?
I am no expert on this but my fiance works for the citizens advice bureau and this kind of thing is not uncommon so please don't get stressed about it. Make your way down to your local CAB because I promise they will have a department for debt and badly sold credit. It is a government funded project so it is actually the dogs "@##$%^!!!! That is what I would do.
Good luck with this dude!
J |
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israel e
 |
My advice. This is a great victim that has ever happen to me in my live, but I will not allow such to happen to you too, I have got scam four time, to obtain a loan from Lender but they all fake. Some one hear introduced me to a company which I don’t believe I can even get a loan from there, because I believe there all same scam, but I letter came across there are good lender today, I obtain a loan of $ 50,000.00 from the company, and I will not allow such victim should came on your way, I will use this hour to introduced you to the company, via they E-mail (mark_mcdonard@yahoo.com) Mark. There are 100% legit, and I believe there will help, because there do same for me.
My advice |
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