tmp (self employed) help please x

crazylady5

hiya i'm new here!! :j could anyone tell me if were entitled to claim back any money? wev'e had a mortage with the halifax since 2003 moved house but stayed with them. we have all the insurances including tmp but my husband is self employed, but what iv'e been told they never pay out if your self employed?:mad: i mean really? wev'e been paying for this since 2003 and never gonna get any help if we need it?

sorry if i have posted the wrong place:p i would so appreciate some advice!! and where do i go from here?

thank you so much :T xxx

dunstonh

we have all the insurances including tmp but my husband is self employed, but what iv'e been told they never pay out if your self employed?

Halifax TMPP is a multi segment policy. It could be life assurance, critical illness cover, MPPI or income protection or a combination of these. All of these cover self employed. So, who told you that they didnt? Plus, what does your TMPP actually cover as you dont say?

crazylady5

i just called them this morning and asked them about the tmp insurance whether it be for sickness, un employment etc, i said if your self employed does that mean we cant claim any of what wev'e been paying her reply was a simple yes!! also said we should of been informed of this ( which we never have) even though we did question it a long while back.

so the complaint has now been logged :T hopefully this means we can get some money back things are really hard financially atm so would really help pay off some debt!

thanks for your reply x

crazylady5

but knowing our luck we will get 0!! x

dunstonh

Halifax are fairly easy going on refunding the PPI element of the TMPP. Often they dont even bother checking but auto payout. It is the other segments of the TMPP that they investigate fully (and those usually result in rejection).

crazylady5

i don't really understand much of any of it tbh but if were paying for something we can never claim for, i'd be happy getting my money back! if not and i would get help if we needed to claim for anything that's fine! either way i would just be happy knowing i have the right product if we need it! we have 5 children so heaven forbid we actually needed it and we couldn't claim?! surely she would of just told me flat out no if what i was saying was wrong? i dunno just be nice to get some pennies back for once lol x

roonaldo

crazylady5 wrote: »

i don't really understand much of any of it tbh but if were paying for something we can never claim for

but you can claim on policy. it covers self-employed so dont think you cant. From I remember some of the policies around 2001-03 had no onerous conditions too.

loopyloo14

hi, i'm new so sorry if this post isn't in the correct place! we have been paying tmpp with the halifax for 11 years. in march 2011 my husband became extremely unwell for 3 months and couldnt work, he is self employed. the halifax paid our mortgage payments after we sent in all the correct docs/sick notes etc. after the 3 months my husband was told by the halifax he could try and have a phased return to work doing no more than 15 hours a week. he has been doing from june 2011 to now. the halifax say they will pay us for 24 months. what happens after the 24 months??? my husband is still going to be struggling to work to his usual capacity. any help appreciated.:)

dunstonh

loopyloo14 wrote: »

hi, i'm new so sorry if this post isn't in the correct place! we have been paying tmpp with the halifax for 11 years. in march 2011 my husband became extremely unwell for 3 months and couldnt work, he is self employed. the halifax paid our mortgage payments after we sent in all the correct docs/sick notes etc. after the 3 months my husband was told by the halifax he could try and have a phased return to work doing no more than 15 hours a week. he has been doing from june 2011 to now. the halifax say they will pay us for 24 months. what happens after the 24 months??? my husband is still going to be struggling to work to his usual capacity. any help appreciated.:)

You are better off talking in the benefits section. Your case is not a mis-sale issue. Indeed, its a good job he has the insurance as you are going to benefit from it significantly.

Without savings and insurance to kick in after 24 months then you are going to be reliant on benefits. Hence, why posting in the benefits section would be more beneficial for you.