PPI Claiming reasons!

Lucky_number_seven

I've just about to start a claim against Halifax for ppi i had on a credit card from nov 95 to Aug 06.The job i had when i took the card out gave me no sick pay as it was a small independent shop.It went into liquidation but i never claimed on my insurance because i didn't know i could(being young and stupid).
From 97 to 06 i had two more spells of redundancy totally 7 months which i never claimed for and also had a broken leg which kept me off work for 6 months.
i believe i applied via a leaflet for the card and must of ticked a box(not sure as it was a long time ago).
My question is even if the t & c's were sent out(not 100% sure) should halifax have found out what my work situation was before the policy started or is there any other reason i could possibly claim.
They have confirmed i had repayment cover insurance.
Any help would be great.

[Deleted User]

Lucky_number_seven wrote: »

I've just about to start a claim against Halifax for ppi i had on a credit card from nov 95 to Aug 06.The job i had when i took the card out gave me no sick pay as it was a small independent shop.It went into liquidation but i never claimed on my insurance because i didn't know i could(being young and stupid).
From 97 to 06 i had two more spells of redundancy totally 7 months which i never claimed for and also had a broken leg which kept me off work for 6 months.
i believe i applied via a leaflet for the card and must of ticked a box(not sure as it was a long time ago).
My question is even if the t & c's were sent out(not 100% sure) should halifax have found out what my work situation was before the policy started or is there any other reason i could possibly claim.
They have confirmed i had repayment cover insurance.

Errr, you realise you can only complain if you COULD NOTclaim on your PPI policy? The fact that you DID NOT is not a reason for complaint!
Also, the fact that you applied for the loan due to a leaflet further weakens any complaint since it was therefore not an "advised" sale.
Sorry.

Lucky_number_seven

Moneyineptitude wrote: »

Errr, you realise you can only complain if you COULD NOTclaim on your PPI policy? The fact that you DID NOT is not a reason for complaint!
Also, the fact that you applied for the loan due to a leaflet further weakens any complaint since it was therefore not an "advised" sale.
Sorry.

I wasn't going to claim because i didn't claim.Now that would be stupid wouldn't it.

i was asking if the fact i was never asked what my work situation was regarding sickness/injury pay or my means i had in place to keep my repayments up or the fact that i never knew i could get insurance else well etc,etc.

roonaldo

Lucky_number_seven wrote: »

i was asking if the fact i was never asked what my work situation was regarding sickness/injury pay or my means i had in place to keep my repayments up

You said you applied via a leaflet so this is a non-advised sale. You were not advised to take PPI but you purchased it. No one is giving you advice so they are not going to ask about work benefits etc. Suitability is only checked if they are given you advice. You've been told in a previous post you werent given advice.

or the fact that i never knew i could get insurance else well etc,etc.

this complaint point is an urban myth, Halifax are not going to discuss products it doesnt sell, provide advice on another banks products nor direct you to another insurance supplier. Also you applied for it on a leaflet.

[Deleted User]

roonaldo wrote: »

You said you applied via a leaflet so this is a non-advised sale. You were not advised to take PPI but you purchased it. No one is giving you advice so they are not going to ask about work benefits etc

Exactly. The OP can also not complain that the PPI was mis-sold.

magpiecottage

Lucky_number_seven wrote: »

I wasn't going to claim because i didn't claim.Now that would be stupid wouldn't it.

i was asking if the fact i was never asked what my work situation was regarding sickness/injury pay or my means i had in place to keep my repayments up

Stop and think for a minute. A leaflet is a piece of paper.

It is not Chris Tarrant.

It is not going to suggest you ask the audience or if it is your final answer.

Lucky_number_seven

Cheers for the advise.
I'm not a 100% sure it was a leaflet as it was 1995.
Maybe i should SAR it before anything else to see how i applied for the card.

timmybear

Yes you could try that, but first of all it might be a good idea to decide why exactly you think there are grounds for you to claim back PPI charges. So far, and I could well have missed it, I don't see where the problem lies. You've not said you didn't know you had PPI, you just said you didn't know you could have tried to claim on the insurance on the occasions where you fell on harder times.

Not that this applies to you per-se, but the more I read on here, the more I see people who have discovered that the floodgates have opened for PPI claims and want a bite of the cherry. Every year I pay into insurances, and every year I don't claim. It is knowing I can claim should I need to that makes me happy to pay my premiums.