help on this one please..75 year old disabled father and black horse ppi rejection

juleeeh

hi everyone
my father has many medical issues and was given a 1000 loan from black horse a few years ago, at the time the salesman told him he had to have ppi to have the loan. he has had a rejection letter stating that he would have needed the ppi because of his illnessess, these were pre-existing ilnessess, am i right in thinking that he would not have been covered anyway?
any help would be great as i am going to ring them and ask them to reconsider but i need to know the correct facts 1st
thanks

oscar52

Chances are, he would not have been covered for a pre existing medical condition.

Also, you say your father is 75 - how old was he when the loan was taken? - Again, most PPI policies are only valid until the age of 65, so again, this would look like another reason for a mis-sale.

ppidisgrace

and blackhorse rejected you, says it all, deal with the banks direct its simple, the simple fact is that its not , however the banks are getting away with this as they have shifted the focus away from themselves in an orchastrated fashion and at the expense of noone other than the consumers they ripped off in the first place, as long as advice is given such as its simple do it yourself , the banks are winning

dunstonh

illness is often misunderstood as a complaint reason. Only pre-existing conditions would be ruled out and any condition that arises from them. Other conditions would be covered. So, as long as the existing conditions are not widespread to make the coverage extremely limited, then there is no mis-sale. If the conditions are such that the coverage is far too limited then it could be a mis-sale.

I would be interested more on the age. As mentioned by oscar, 65 is the typical age that PPi ends. So, if he is 75 and only took it out a few years ago as you say then he was unlikely to be eligible for cover to begin with.

juleeeh

thanks for that info, he was 71 at the time. I will be ringing them later on to ask to reconsider on this basis before i take it to the fos
thanks again

oscar52

I would also completely ignore PPIdisgrace.

While some of what they say is correct, they obviously work for a claims company who will be quite happy to take 25% of any money you are due.

magpiecottage

juleeeh wrote: »

thanks for that info, he was 71 at the time. I will be ringing them later on to ask to reconsider on this basis before i take it to the fos
thanks again

That sounds sensible because FOS has an enormous backlog.

Do be aware, though, that you must get the complaint to FOS within six months of the rejection letter so give Black Sheep a deadline and stick to it. Realistically, if they do not see the error within a month they are never likely to and FOS will be the only option.

I agree with Oscar52. There is no point in listening to ppidisgrace. Apart from the fee he would happily help himself to out of the redress your father is entitled to he has simply told you all banks are like that. Whether it is true or not, it does not help you to progress your case.

ppidisgrace

juleeeh wrote: »

thanks for that info, he was 71 at the time. I will be ringing them later on to ask to reconsider on this basis before i take it to the fos
thanks again

bring to the attention of mse that the banks they got into bed with rejected a 71 year old mans claims
unfortunately they have admitted before they came out with their latest campaign, they havent actually researched what the banks are doing, couldnt make it up

magpiecottage

ppidisgrace wrote: »

couldnt make it up

Oh yes you could because you are a PROVEN LIAR ppidisgrace.