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  • FIRST POST
    • lyndsayb2010
    • By lyndsayb2010 15th Mar 17, 6:19 PM
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    lyndsayb2010
    Employed less than 3 months at time of taking ppi policy
    • #1
    • 15th Mar 17, 6:19 PM
    Employed less than 3 months at time of taking ppi policy 15th Mar 17 at 6:19 PM
    Has anyone had any success getting a ppi claim upheld when you have signed a ppi policy agreement when you have been employed for less than 6 months?

    He capital/Santander are saying that I took a policy out on 21 September however they think I may not have been in continuous employment for 6 months prior to this date.

    This is true as I finished my a levels in summer 2000 and got my first full time job in around July/august 2000
Page 1
    • Nasqueron
    • By Nasqueron 15th Mar 17, 6:27 PM
    • 3,916 Posts
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    Nasqueron
    • #2
    • 15th Mar 17, 6:27 PM
    • #2
    • 15th Mar 17, 6:27 PM
    Just to clarify do you mean you are trying to claim on the policy not complain about it?


    In terms of complaints if you were working full time then you'd need to prove the ppi would not cover you due to being in probation period (see what the terms and conditions say - I'm assuming of course you were honest when applying for the finance and told them you had just started). If you told them and they gave you the policy knowing your circumstances and that it wouldn't have paid out it would be miss-sold. It is possible though that the policy would have a minimum period before you could claim which might have meant when it was possible for you to claim you would have been covered
    • lyndsayb2010
    • By lyndsayb2010 15th Mar 17, 9:28 PM
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    lyndsayb2010
    • #3
    • 15th Mar 17, 9:28 PM
    • #3
    • 15th Mar 17, 9:28 PM
    Just to clarify do you mean you are trying to claim on the policy not complain about it?


    In terms of complaints if you were working full time then you'd need to prove the ppi would not cover you due to being in probation period (see what the terms and conditions say - I'm assuming of course you were honest when applying for the finance and told them you had just started). If you told them and they gave you the policy knowing your circumstances and that it wouldn't have paid out it would be miss-sold. It is possible though that the policy would have a minimum period before you could claim which might have meant when it was possible for you to claim you would have been covered
    Originally posted by Nasqueron
    Well I am looking into complaining about the ppi policy. They are suggesting that they knew I had not been employed for 6 months at the time of taking out the ppi.
    • Nasqueron
    • By Nasqueron 15th Mar 17, 9:55 PM
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    Nasqueron
    • #4
    • 15th Mar 17, 9:55 PM
    • #4
    • 15th Mar 17, 9:55 PM
    Well I am looking into complaining about the ppi policy. They are suggesting that they knew I had not been employed for 6 months at the time of taking out the ppi.
    Originally posted by lyndsayb2010
    The question then is whether they would still cover you or not, if yes, that reason is not a miss-selling, if no, you could argue it was as you could lose the job during probation before you could claim
    • dunstonh
    • By dunstonh 15th Mar 17, 11:42 PM
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    dunstonh
    • #5
    • 15th Mar 17, 11:42 PM
    • #5
    • 15th Mar 17, 11:42 PM
    Has anyone had any success getting a ppi claim upheld when you have signed a ppi policy agreement when you have been employed for less than 6 months?
    That is not really a valid reason for complaint. Most MPPI policies wont cover you in the first 3-6 months of taking the policy out. So, by the time that ends, you would normally be outside of any probation period.

    So, as long as they cover you when their initial qualifying period ends, that is what matters.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 16th Mar 17, 12:09 AM
    • 18,124 Posts
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    Moneyineptitude
    • #6
    • 16th Mar 17, 12:09 AM
    • #6
    • 16th Mar 17, 12:09 AM
    How many threads are you starting about this, "Lynsayb2010"?
    This is your fifth so far...
    • societys child
    • By societys child 16th Mar 17, 1:06 PM
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    societys child
    • #7
    • 16th Mar 17, 1:06 PM
    • #7
    • 16th Mar 17, 1:06 PM
    How many threads are you starting about this
    Is it like referendums, you keep going until you get the answer you want?

    • lyndsayb2010
    • By lyndsayb2010 20th Mar 17, 2:37 PM
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    lyndsayb2010
    • #8
    • 20th Mar 17, 2:37 PM
    • #8
    • 20th Mar 17, 2:37 PM
    i find some people on this forum quite rude, im asking for a little bit of advice re a bit on the reply letter that i dont understand.


    im not trying to be fraudulent or anything else. i am trying to get helpful information on a claim from people that have been successful


    I have seen a number of threads on here where people are quite rude to the OP!
    • lyndsayb2010
    • By lyndsayb2010 20th Mar 17, 2:39 PM
    • 25 Posts
    • 5 Thanks
    lyndsayb2010
    • #9
    • 20th Mar 17, 2:39 PM
    • #9
    • 20th Mar 17, 2:39 PM
    The question then is whether they would still cover you or not, if yes, that reason is not a miss-selling, if no, you could argue it was as you could lose the job during probation before you could claim
    Originally posted by Nasqueron
    thank you Nasqueron. i have asked for a copy of the original consumer credit agreement for both policies now
    • lyndsayb2010
    • By lyndsayb2010 20th Mar 17, 2:40 PM
    • 25 Posts
    • 5 Thanks
    lyndsayb2010
    How many threads are you starting about this, "Lynsayb2010"?
    This is your fifth so far...
    Originally posted by Moneyineptitude

    thanks for the super helpful reply!
    • Moneyineptitude
    • By Moneyineptitude 20th Mar 17, 3:04 PM
    • 18,124 Posts
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    Moneyineptitude
    thanks for the super helpful reply!
    Originally posted by lyndsayb2010
    I've responded fully and comprehensively on all of the other threads. I won't be responding anymore...
    • lyndsayb2010
    • By lyndsayb2010 20th Mar 17, 3:34 PM
    • 25 Posts
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    lyndsayb2010
    I've responded fully and comprehensively on all of the other threads. I won't be responding anymore...
    Originally posted by Moneyineptitude


    i know you have but this was actually a different question to my others that is all
    • Agricolae
    • By Agricolae 21st Mar 17, 1:39 AM
    • 352 Posts
    • 184 Thanks
    Agricolae
    Has anyone had any success getting a ppi claim upheld when you have signed a ppi policy agreement when you have been employed for less than 6 months?

    He capital/Santander are saying that I took a policy out on 21 September however they think I may not have been in continuous employment for 6 months prior to this date.

    This is true as I finished my a levels in summer 2000 and got my first full time job in around July/august 2000
    Originally posted by lyndsayb2010
    I note you may have made other threads about this. I haven't read them so if I've missed something because it was on another thread, let me know.

    I'm not sure what kind of PPI this was but as you've mentioned HE (GE?) Capital I'm guessing it's a credit card or most likely a store card.

    From what you're saying it sounds like:

    * You'd only have been eligible for the unemployment part of the policy if you'd been working in the same job for 6 months OR you wouldn't have been able to claim until you'd been working somewhere for at least 6 months.
    * You had not been working in the same job for 6 months when you took the policy out.
    * Therefore you were not eligible for the unemployment cover OR you wouldn't have been able to make use of it until you'd been working somewhere for 6 months.

    I don't know how the policy was sold to you but if it was a store card then you'd probably have bought it while you were at the till at a shop, and it would have been sold by a retail assistant with minimal understanding of the product.

    GE Capital (if this is who this is about) were fined £610,000 by the then FSA for the way their store cards were sold. Link. One of the main issues highlighted was the retail assistants didn't have a clue about the product they were selling.

    Based on this, chances are you wouldn't have been told about this 6 month thing.

    You mentioned you'd just finished your A levels. If you can't prove how long you'd been working (which is understandable that far back!) then maybe you can show you'd just done your A levels? Many people don't have a job while they're at college so it might lend some more credibility to what you're saying.

    I would say though that it's probably a good idea not to make multiple threads about the same complaint. It's considered poor etiquette or "netiquette".
    • Moneyineptitude
    • By Moneyineptitude 21st Mar 17, 8:53 AM
    • 18,124 Posts
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    Moneyineptitude
    I note you may have made other threads about this. I haven't read them
    Originally posted by Agricolae
    This stretches all the way back to 2012, when the OP got no reply;
    http://forums.moneysavingexpert.com/showthread.php?t=3980861

    This year, the OP has spammed the board with threads about this:
    http://forums.moneysavingexpert.com/showthread.php?t=5615965
    http://forums.moneysavingexpert.com/showthread.phpt=5617290
    http://forums.moneysavingexpert.com/showthread.php?t=5618534
    http://forums.moneysavingexpert.com/newreply.php?t=72283758

    So no need to speculate.

    All the OP apparently wants to know additionally in this thread is whether anyone has had PPI refunded simply because they were employed for less than three months at the time of the sale. Dunstonh answered this at post #5.

    I'm not sure what kind of PPI this was
    Originally posted by Agricolae
    This information is on the other threads, of course.
    • lyndsayb2010
    • By lyndsayb2010 22nd Mar 17, 12:29 PM
    • 25 Posts
    • 5 Thanks
    lyndsayb2010
    I note you may have made other threads about this. I haven't read them so if I've missed something because it was on another thread, let me know.

    I'm not sure what kind of PPI this was but as you've mentioned HE (GE?) Capital I'm guessing it's a credit card or most likely a store card.

    From what you're saying it sounds like:

    * You'd only have been eligible for the unemployment part of the policy if you'd been working in the same job for 6 months OR you wouldn't have been able to claim until you'd been working somewhere for at least 6 months.
    * You had not been working in the same job for 6 months when you took the policy out.
    * Therefore you were not eligible for the unemployment cover OR you wouldn't have been able to make use of it until you'd been working somewhere for 6 months.

    I don't know how the policy was sold to you but if it was a store card then you'd probably have bought it while you were at the till at a shop, and it would have been sold by a retail assistant with minimal understanding of the product.

    GE Capital (if this is who this is about) were fined £610,000 by the then FSA for the way their store cards were sold. Link. One of the main issues highlighted was the retail assistants didn't have a clue about the product they were selling.

    Based on this, chances are you wouldn't have been told about this 6 month thing.

    You mentioned you'd just finished your A levels. If you can't prove how long you'd been working (which is understandable that far back!) then maybe you can show you'd just done your A levels? Many people don't have a job while they're at college so it might lend some more credibility to what you're saying.

    I would say though that it's probably a good idea not to make multiple threads about the same complaint. It's considered poor etiquette or "netiquette".
    Originally posted by Agricolae


    big thanks for the super helpful reply Agricolae, this is the view i was taking on being sold my ppi as i did take it in the store on both occassions and it was the store assistant that sold the policy on both occcassions too.


    I am trying to get evidence about my employment from the employer at the time and also have asked hmrc for my employment records too. Hopefully this will support my claim with Santander as well as being sold the policy by the retail assistant.


    I am currently waiting for copies of the consumer credit agreement from santander too and they have said they have now put notes on the file to give me a little more time to reply to their further questions re my employment at the time of taking the cards out.


    thank you so much for taking the time to reply.


    Sorry for the multiple threads but i am relatively new to this... i may have joined several years ago but this is my second ppi complaint. the first one being barclaycard was much more straightforward than this one with santander
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