Student PPI

iwantahome

I'd say its very likely indeed that they claim you are working full time (16+ hours per week) to get you to buy it, but quickly retract and say, "but you are not unemployed you are a student" when trying to make a claim. Thankfully I never had to claim, although my contracts were always zero hour contract or less than 10 hours, and then overtime. However I no longer have my terms and conditions and they did not send them with my SAR so I'll be using the fact I was wrongly told that it was a condition of acceptance to take PPI to make my reclaim.

gigglyjo

Hi everyone,

much like the original poster I was sold a PPI when I was a student. This happened over the phone when I was convinced by Lloyds to switch credit cards. I had my student bank account with Lloyds so I'm pretty sure they can't dispute that they weren't aware I was a student at the time. I did work part-time, but a very minimal amount.

Anyway, I've just put a PPI over the phone. Very easy as it happens. The operator didn't ask many questions, but I did mention I was a student at the time, which they seemed to take note of. I had the PPI for about 3-4 years as a student, and then for 3 years employed. I'm wondering if they find in my favour will they just refund the whole thing, or will they only refund the portion when I was a student - on the basis I could have cancelled it/used once employed? Though I have to say I would not have purchased it now, I only agreed when I was a student as it seemed prudent given I had no income to speak of.

I'm really confused, becuase it's not until recently that I actually realised just how much it has cost me to have this insurance, and I am convinced I was mis-sold it in the first place.

Ta people, Jo. x