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  • FIRST POST
    • MakeAChange
    • By MakeAChange 8th Oct 17, 1:47 PM
    • 95Posts
    • 38Thanks
    MakeAChange
    PPI quick question
    • #1
    • 8th Oct 17, 1:47 PM
    PPI quick question 8th Oct 17 at 1:47 PM
    Hi all,

    A line of my letter states .............

    ''as your ppi policy was active at the time you responded to us, we have now cancelled it as a result of our findings''

    The ppi was added in 2009, and iv had no access to the accounts for about 3-4 years.
    So my question is how can it be active when i do not hold the accounts anymore, what does this mean?
Page 1
    • zx81
    • By zx81 8th Oct 17, 1:55 PM
    • 14,411 Posts
    • 15,210 Thanks
    zx81
    • #2
    • 8th Oct 17, 1:55 PM
    • #2
    • 8th Oct 17, 1:55 PM
    What do you mean that you had no access?

    You forgot your login details? Or you closed the accounts?
    • MakeAChange
    • By MakeAChange 8th Oct 17, 2:31 PM
    • 95 Posts
    • 38 Thanks
    MakeAChange
    • #3
    • 8th Oct 17, 2:31 PM
    • #3
    • 8th Oct 17, 2:31 PM
    as far as i was aware the accounts were closed, never had no letters from them or anything in all this time ?
    • zx81
    • By zx81 8th Oct 17, 2:34 PM
    • 14,411 Posts
    • 15,210 Thanks
    zx81
    • #4
    • 8th Oct 17, 2:34 PM
    • #4
    • 8th Oct 17, 2:34 PM
    If you didn't actually close them, they'll still be open.

    That's why they've cancelled the PPI.
    • MakeAChange
    • By MakeAChange 8th Oct 17, 2:35 PM
    • 95 Posts
    • 38 Thanks
    MakeAChange
    • #5
    • 8th Oct 17, 2:35 PM
    • #5
    • 8th Oct 17, 2:35 PM
    wow, well i never knew that, confusing!
    • MakeAChange
    • By MakeAChange 8th Oct 17, 2:37 PM
    • 95 Posts
    • 38 Thanks
    MakeAChange
    • #6
    • 8th Oct 17, 2:37 PM
    • #6
    • 8th Oct 17, 2:37 PM
    so if its open still its not being paid, so are they adding it to a debt somewhere or something?
    • IAmWales
    • By IAmWales 8th Oct 17, 2:53 PM
    • 1,864 Posts
    • 3,883 Thanks
    IAmWales
    • #7
    • 8th Oct 17, 2:53 PM
    • #7
    • 8th Oct 17, 2:53 PM
    PPI is only paid if you have an outstanding balance. If you don't use the account and there's no outstanding balance, no charge will be being incurred.
    • MakeAChange
    • By MakeAChange 8th Oct 17, 3:13 PM
    • 95 Posts
    • 38 Thanks
    MakeAChange
    • #8
    • 8th Oct 17, 3:13 PM
    • #8
    • 8th Oct 17, 3:13 PM
    well some of the accounts got into debt as the ppi did not cover me when i got ill, and i had pre-existing conditions which they told me id be all covered for, and then i was not. Id be happy if the ppi payments just paid off any debt to be honest !
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