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2

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  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 8 July 2012 at 8:37PM
    ctrlaltdel wrote: »
    you know nothing, you are just plants working for the banks

    Ha Ha Ha Ha Ha Ha :D

    Yes, we're all Bankers!

    So why are you bothering to post if you believe that?
  • ctrlaltdel
    ctrlaltdel Posts: 57 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    dunstonh wrote: »
    pre-existing conditions only works if the condition is severe enough to invalidate or mostly invalidate the ability to claim on the policy.

    Credit card PPI can be paid out irrespective of work benefits. So, that wouldnt stop it paying out.

    Alternative personal insurances are only an issue on advised cases where the adviser needs to take them into account. Not sold cases.

    How you bought it is also an issue somewhat in the other things you mentioned.



    The issues with loan PPI is different to credit card PPI. Credit card doesnt suffer front loading of the PPI premium for example and that is where most loan PPI complaints end up being successful.
    Complaint upheld by ombudsman...:T
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    ctrlaltdel wrote: »
    Complaint upheld by ombudsman...:T
    Have you actually received any money, though? :)
  • ctrlaltdel
    ctrlaltdel Posts: 57 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    It is to be settled in line with ombudsmans guidelines for calculating redress.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    ctrlaltdel wrote: »
    It is to be settled in line with ombudsmans guidelines for calculating redress.
    You can gloat some more when you actually relieve a cheque. The Bank can still appeal the decision!

    We're still not bankers...:p
  • ctrlaltdel
    ctrlaltdel Posts: 57 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Next target a loan i had in 1987 no paperwork....no hope?
  • ctrlaltdel
    ctrlaltdel Posts: 57 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Moneyineptitude wrote: »
    You can gloat some more when you receive the cheque.
    We're still not bankers...:p
    Dunstoh is:rotfl:
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    ctrlaltdel wrote: »
    Next target a loan i had in 1987 no paperwork....no hope?
    Who cares?
    We "know nothing":rotfl:
  • -taff
    -taff Posts: 15,418 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ctrlaltdel wrote: »
    Next target a loan i had in 1987 no paperwork....no hope?


    I'm going with no hope or possibly auto payout depending on who it is. If Satander are now responsible, then no hope. If one of the biggies and you still bank with them or there is paperwork, possibly...
    Non me fac calcitrare tuum culi
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    -taff wrote: »
    I'm going with no hope or possibly auto payout depending on who it is. If Satander are now responsible, then no hope. If one of the biggies and you still bank with them or there is paperwork, possibly...
    You know nothing, you are all just plants working for the banks!;):D
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