how to answer loaded ppi questionnaire questions if didn't know ppi was on account?

i_love_mike

hello,

the questions on the standard ppi questionaire are worded as if the claimant had knowledge of the ppi at the time that it was (mis-)sold.

i didn't know that i had ppi and only found out about after i did the SAR.

please can somebody tell me if i should answer the questions as if i knew the info at the time because i know the answers now?
or
do i tick the not sure boxes and then put more info on the 'if you need more space page'?

thank you

IJM

Unfortunately, failure to notice PPI charges on your paperwork (such as statements, loan agreements, PPI certificates etc.) is not generally regarded as a valid reason for a mis-sell because you had ample opportunity to see those charges and address them at the time.

If on the other hand you have documentary evidence that demonstrates that the PPI charges were deliberately concealed (for instance, if they were not separately itemised) you might possibly have a case.

Other than that, you would need other reasons for a PPI mis-sell, such as single premium loaded onto the front of a loan, or that they mis-lead you into buying the PPI when it wasn't appropriate for your circumstances (pre-existing medical condition, other means of financial support or you were self employed at the time, etc) or that the seller failed to tell you that the PPI was optional or that the financial product in question would be declined if you did not take the PPI.

All you can do is to fill in the form as truthfully as you can and supply any supporting documentation.

McKneff

You can only reply truthfully

ie

Don't know

Can't remember.

dunstonh

Do not lie or guess. That can damage a complaint if evidence shows the contrary. State dont know if you dont know.

-taff

You will have had knowledge if it was a loan you just can't remember. If it was a credit card, it might have been sold at a later date.

i_love_mike

thank you to everybody who took the trouble to reply.

please can somebody help me with my question, which is should i answer the questions on the ppi complaint form as asked i.e. what was my knowledge at the time?

or should i answer the questions based on my knowledge now i.e. ignore the tense in the grammer?

-taff

you should answer truthfully in the present. More than that, no one can tell you.

bonjen3

you should answer the questions on your understanding of the facts you had at the time you took your loan out

i_love_mike

thank you bonjen3 for your reply - that is what i shall do.

i_love_mike

McKneff wrote: »

You can only reply truthfully

ie

Don't know

Can't remember.

also thank you McKneff - i now realise that you gave the the answer before but i wasn't paying attention.

i suppose that's why the bank were able to take me for a sucker.

i_love_mike

IJM wrote: »

Unfortunately, failure to notice PPI charges on your paperwork (such as statements, loan agreements, PPI certificates etc.) is not generally regarded as a valid reason for a mis-sell because you had ample opportunity to see those charges and address them at the time.

If on the other hand you have documentary evidence that demonstrates that the PPI charges were deliberately concealed (for instance, if they were not separately itemised) you might possibly have a case.

Other than that, you would need other reasons for a PPI mis-sell, such as single premium loaded onto the front of a loan, or that they mis-lead you into buying the PPI when it wasn't appropriate for your circumstances (pre-existing medical condition, other means of financial support or you were self employed at the time, etc) or that the seller failed to tell you that the PPI was optional or that the financial product in question would be declined if you did not take the PPI.

All you can do is to fill in the form as truthfully as you can and supply any supporting documentation.

IJM thanks for helping with the case as a whole.

because i've been busy with other things i haven't yet submitted my claim and the bank have just written me a letter to say that i may have been mis-sold.

i know that this doesn't mean that they are admitting guilt but do you think it will inrecase the likelihood of a succesful claim?