Help with PPI questions....

grod_2

I have just had a call from the bank agreeing that I was sold PPI on 3 bank loans and asking me for further information. One of the pieces of information they want is what were the benefits of my employer at that time (1997) i.e. if I were sick, what would I be entitled to. My employer ftom those days no longer exists. Does anyone have any suggestions?

-taff

Just tell them what it was. They don't usually ask for proof.
If they do, explain they aren't around, and ask them what kind of proof they are looking for.

dunstonh

Firms are allowed to ask for information to support your allegations. Unfortunately, where template letters are used, people often allege things that are not correct. Whilst many lenders/firms have lists of employer benefits (e.g. teachers, NHS etc) they will not all do this or not have small firms. So, they can ask you to supply the information.

If you have no details and the company is gone then tell them that.

grod_2

Does anyone know who has the burdon of proof with this? I mean, is it up to me to prove that my old company WOULD pay me for sickness, or is it up to the PPI people to prove they wouldn't?

-taff

It's up to you because you are the one saying there was something wrong with the sales process.

[Deleted User]

grod wrote: »

Does anyone know who has the burdon of proof with this? I mean, is it up to me to prove that my old company WOULD pay me for sickness, or is it up to the PPI people to prove they wouldn't?

In law, he who asserts must prove. So, it's your burden.

dunstonh

grod wrote: »

Does anyone know who has the burdon of proof with this? I mean, is it up to me to prove that my old company WOULD pay me for sickness, or is it up to the PPI people to prove they wouldn't?

UK law puts the onus on the person making the allegation. However, financial services regulation is less onerous than that. Where evidence is not available, a balance of probability decision needs to be made. If your claims of sick pay are reasonable and typical of a small employer then that would likely be accepted. if you are alleging some rare, unusual or just impossible period of sick pay then it would not likely be accepted.

grod_2

Does it make any difference that it is not a small employer? at the time it was the second largest computer manufacturer in the world. #:0(

dunstonh

The larger the employer, the more likely that the sickness pay was better. Doesnt always work that way but again, we are looking at balance of probability.

I wouldnt be too worried about this. They have to make a decision on the evidence available. This is not a deal breaker unless you have framed unrealistic sick pay as part of your complaint.

dazza12

grod wrote: »

Does it make any difference that it is not a small employer? at the time it was the second largest computer manufacturer in the world. #:0(

If this was Digital or Compaq, HP still hold employment records (or at least copies of policies) and should be able to provide proof.

-taff

I wouldn't worry too much about it it's only one question, and the likeliehood is that the decision isn't going to rest solely on your pay.
I was phoned by Lloyds and asked questions about my sick package etc, which was excellent, and they still refused me, so had to go to the Ombudsman....but then, we all know why they did that now, don't we?