Abbey Payment Care

mkbje

My other half had ppi on our Abbey mortgage which we held for 5years we were sold this by an advisor in our local branch when applying for our mortgage, my husband had a previous medical condition before we started this policy but the advisor did not explain that this would be excluded if he needed to claim. I think that he did claim on the policy for approx 6 months due to a back injury I am just wondering if it would be worth putting a claim into Santander for mis selling even though he has claimed on policy, any help would be appreciated. Thanks

roonaldo

a lot of Abbeys mortgage sales were non-advised, if this is the case then they wouldnt have to ask about medical conditions.

also a lot of policies exclude back conditions anyway, as its one of the most common reasons for time off work.

i think it really depends on what information was provided at the time of sale and if it was advised or not.

dunstonh

my husband had a previous medical condition before we started this policy but the advisor did not explain that this would be excluded if he needed to claim.

What is the medical condition? It is is severe enough to effectively remove all cover then its a mis-sale. If its a only something that itself would be ruled out from claiming from but everything else is covered then its not a mis-sale.

I think that he did claim on the policy for approx 6 months due to a back injury

Which shows he was covered and therefore the pre-existing condition is not one that causes a problem.

would be worth putting a claim into Santander for mis selling even though he has claimed on policy

You havent indicated any reason for mis-sale.

mkbje

The pre existing medical condition is that my husband broke his hip and had to have 3 pins put in to hold it together this was in 1991 when he was off work with his back this was a totally different injury. He was sold the policy during a meeting with a mortgage advisor at our local branch in 1998 and from what we can remember she did not state anything about pre existing medical conditions this is why I think that the policy could have been missold.

dunstonh

The pre existing medical condition is that my husband broke his hip and had to have 3 pins put in to hold it together this was in 1991 when he was off work with his back this was a totally different injury.

Thats ok then. That operation would not have much of an impact on the coverage other than things directly linked to it. So, a complaint about pre-existing condition making it a mis-sale would be easily rejected. A pre-existing condition complaint needs to be illness that prevents coverage in a large range of areas. That is not the case here and the fact there was a successful claim on the policy supports that.

from what we can remember she did not state anything about pre existing medical conditions this is why I think that the policy could have been missold.

It was 1998. Can you remember what was said? What evidence do you have to support your allegation that nothing was said?

Remember that this is MPPI and not loan or credit card PPI. They are easy to complain about. MPPI is much harder for reasons well discussed on this forum.