PPI claim difficulty

jessieja

Mother has been made redundant but has a PPI on a nat west loan. When she has tried to claim, they have requested proof that she is claiming JSA (she's 63, so can't claim) or pension credits (not entitled), and copies of 3 job applications per week (she's 63 and retiring now she's redundant).

They wont officially refuse to pay out, they're just putting barriers in the way.

Any advice?

di3004

jessieja wrote: »

Mother has been made redundant but has a PPI on a nat west loan. When she has tried to claim, they have requested proof that she is claiming JSA (she's 63, so can't claim) or pension credits (not entitled), and copies of 3 job applications per week (she's 63 and retiring now she's redundant).

They wont officially refuse to pay out, they're just putting barriers in the way.

Any advice?

Hello there.;)

So sorry to hear of your mum's redundancy.
Does your mum's policy state a certain age?
I take it "60" onwards then your not eligible.

Normally on a claim they do require proof of the last employer, where they send a claim form to complete, and then another from the Job centre benefit office, but if your mum is not eligible then the policy is now worthless to her.

In my opinion, maybe now she should cancel, but check the terms and conds first, because some expect that a new loan must be taken out without the PPI, to pay off the existing loan, if this did happen then make sure the rate of the loan is equal to the original loan or even better, the repayments should then be lower.

Was your mum aware of the policy, such as when she taken out the finance, did they offer her the PPI, or just add this without being told?

There are many reasons for being mis sold, so below check the link out, its the guidelines or reclaiming, a checklist of mis selling reasons, and template letters, and so on.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
Check this through, and of course if your mum was mis sold in the first place then she should try to reclaim all she have paid in PPI, and the interest etc.
If she was aware of the ppi, then maybe she could try to reclaim of then she stopped being eligible to make a claim.

Hope this helps, please ask for help anytime and good luck.;)