Claiming on ppi to give up work to be carer.

fedupalot

Hello opinions4u

Agree with the reclaiming - had thought of this. Wish I had gone down that route as it would probably be sorted by now!

Fair point about the confirmation of leaving employment. I had thought my ex-employer would be difficult - he's that sort - so I sent the insurance company a copy of my P45 as well hoping that it would help, but apparently not.

fedupalot

lisyloo wrote: »

So what if they employer outright refuses?
What if they are a sole trader and die? or are off sick?
The insurer cannot just abandon their obligations to the policyholder because a 3rd party is unwilling or unable to comply with their requests.
They have a contractual obligation.
There must be other methods - P45? Inland Revenue paperwork?

It is not acceptable for insurers to do nothing simply because a 3rd party won't provide proof.

Hello lisyloo

Good points - it sounds as though my next step must be the formal complaint.

Ben8282

I think you should concentrate on the insurance company rather than Halifax. Ask them why the claim is being delayed. Explain to them that Halifax are harrasing you etc and ask them what they advise you to do.

Your letter of resignation, in itself, means nothing. The insurance company should be asking for evidence of your husband's medical condition etc (letter from doctor), your previous income (payslips), your P45 as evidence of leaving employment and possibly evidence that you are in receipt of social security benefits (carers allowance).

Your former employer will not be able to confirm or provide information about your husband's medical condition as he is (presumably) not a doctor.

If the insurance company are delaying the most likely reason is that they are suspicious in some way and believe the claim to be possibly fraudulant. You must address these suspicions.

fedupalot

Ben8282 wrote: »

I think you should concentrate on the insurance company rather than Halifax. Ask them why the claim is being delayed. Explain to them that Halifax are harrasing you etc and ask them what they advise you to do.

Your letter of resignation, in itself, means nothing. The insurance company should be asking for evidence of your husband's medical condition etc (letter from doctor), your previous income (payslips) and your P45 as evidence of leaving employment.

Your former employer will not be able to confirm or provide information about your husband's medical condition as he is (presumably) not a doctor.

Hello Ben8282

Trouble is the insurance company is an offshoot of the Halifax. I have spoken to them several times about being chased for payment but although sympathetic they're not really bothered.

They have had all the relevant documents from the doctor plus payslips, P45 etc. It's just the ex-employer causing problems.

opinions4u

Ben8282 wrote: »

No. The OP clearly states that it's a credit card.

And posted in the Credit Card forum!

Sorry.

fedupalot

Thank you for all your responses. It's really helped to focus my mind on what to do next.
I'm now writing a letter of formal complaint to the Halifax as suggested and hopefully get the problem resolved.

I'll update when I get a response.

Thanks again

[Deleted User]

do the t&c`s of the ppi policy provide for you giving up work to be a full time carer?

fedupalot

woodbine wrote: »

do the t&c`s of the ppi policy provide for you giving up work to be a full time carer?

Hello Woodbine

Yes - the policy provides for giving up work to be a carer, and the Halifax has confirmed that, thank goodness.

thanks

fedupalot

Thanks for your help in the past - hoping someone can help again!

An update - Halifax have now settled my claim, leaving a balance of £54 for some reason. But - I am now having a problem with my claim on my MBNA card. I have had so much trouble with them, first, after getting all the paperwork from me they then said that my husband had a pre-existing condition which meant I couldn't claim, even though his pre-existing condition was a hip replacement which had nothing to do with the reason for my claim. Anyway, after further medical records, they then paid up but only 60% of the balance which leaves me to pay £1500.00. When I phoned the insurance company to query this and said that I expected all the balance to be paid, the girl from the ins. company said she thought it should be as well and told me she would get someone to phone me about it. Anyway they have now phoned and said that they will only pay 60%. I asked for a copy of my original ins. document, but they told me they have been destroyed. ( I took the credit credit out in 1996 with Save and Prosper, who were taking over by MBNA. ) What do I do now? I can't afford to pay and I'm getting so depressed with it all and feel as though I can't fight it anymore. Any advice gratefully received.