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PPI - could I claim?
mrochester
Posts: 1,519 Forumite
Hi all
Possible stupid question. We have PPI on our mortgage and council tax with GI Secure. My other half has a fixed term contract that is coming to an end. Would we be able to claim when his contract ends (I remain in permanent employment)?
Many thanks
M
Possible stupid question. We have PPI on our mortgage and council tax with GI Secure. My other half has a fixed term contract that is coming to an end. Would we be able to claim when his contract ends (I remain in permanent employment)?
Many thanks
M
0
Comments
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What do the terms of your policy say about fixed term contracts?I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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... and when you took out the mortgage and the insurance, was your partner in a fixed term contract?
If he was, and they suggest they won't payout because of it, I'd say he was never eligible for it in the first place.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
kingstreet wrote: »... and when you took out the mortgage and the insurance, was your partner in a fixed term contract?
If he was, and they suggest they won't payout because of it, I'd say he was never eligible for it in the first place.
He was actually on a temporary contract when we first got a mortgage. It was only 2 years after that he got a job with a fixed term contract.0 -
Ask the insurer if he was/is covered for temporary and contract work. I'm pretty sure the answer will be no. In which case you'd appear to have a strong claim for mis-selling on the basis he would be ineligible for the cover from the outset.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Thanks all.
Looking through my policy documents the PPI I have is Disability cover, so it seems this wouldn't be covered anyway.0
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