ppi refuse to payout-miss sold ???

owls123

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My wife bought a car on finance in march 2006 and was sold ppi insurance,
she was only working part time at the time in the same job and hours as now and she used her wage slips to get the finance with the same number of hours she works as now which as always been 13.5 but no more than 15 hours a week, she went on sick in feb 2007 and looks to be going to be off another 3 months and dosnt get sick pay- now the ppi as refused her claim stating she dosnt work enough hours-
surely this means that the garage/finance company new at the time she didnt work enough hours to claim off the ppi if needed so it classes as mis-sold ???
help
mark and june

defender_of_the_weak

Yep

Ask the finance company for the premiums and any interest added (if funded as a lump sum) to be returned

regularsaver1

usually you have to be paying the correct class of national insurance contributions

if you do not, you are not eligible

owls123

Hi if thats the case i get a fill ni contribrution paid through the ica benefit i claim for looking after my daughter that is why i can only work part time.
june

owls123

regularsaver1 wrote: »

usually you have to be paying the correct class of national insurance contributions

if you do not, you are not eligible

well the garage/finance company should have realised that when they sold me the policy as I have never paid ni while in this employment about 3 years.
june

defender_of_the_weak

June

Dont get distracted by the NI question go straight back to the finance company and ask for your remiums back

regularsaver1

owls123 wrote: »

well the garage/finance company should have realised that when they sold me the policy as I have never paid ni while in this employment about 3 years.
june

Yes they should have realised you were not eligible

they should ask eligibility questions

as said ask for premiums back as insurance should not have been sold