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Black horse finance success!

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  • dunstonh wrote: »
    No it is not. You are wrong.

    If there is no evidence supporting your allegation then they can reject it. Your suggestion of what is the case would be anarchy. A policeman says you were going 60mph in a 40mph zone. Using your opinion, the driver has to prove he was doing under 40. Whereas in real life, the police have to prove you were doing over 40. UK law does not work the way you say it does.

    The evidence has to support your allegation.



    Which makes your complaint about the weakest type going. The questions asked about sick pay and savings are there to see if you actually needed it or not. They are much stronger complaint reasons. Not some verbal allegation that may have happened but equally you could be making up.


    Don't see why it matters to be honest, this is about the 3rd ppi reclaim I've done and they've all been successful.
    If it was such a weak cause why have they agreed without a fight?
    It was missold, and it was not needed, but although we told them it wasn't needed they insisted we have it =missold.
    I know what the questions were for, and I answered them honestly. And I still believe that they would have to prove, somehow, that they didn't insist the ppi was taken out, which they couldn't do.

    Whatever the reasoning behind the misselling, it's still misselling.
  • sava05
    sava05 Posts: 95 Forumite
    Here here Shopaholic2, you are right, the onus is on them to prove PPI was not mis -sold to you. I had similar success with my other PPI claims. Stick with it.
  • dunstonh
    dunstonh Posts: 119,820 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Don't see why it matters to be honest, this is about the 3rd ppi reclaim I've done and they've all been successful.

    It matters because your opinion is wrong. Being successful is not difficult on PPI. Loan PPI especially where most complaints succeed.
    If it was such a weak cause why have they agreed without a fight?

    Auto payout probably.
    It was missold, and it was not needed, but although we told them it wasn't needed they insisted we have it =missold.

    It may well have been mis-sold but the evidence and information has to point towards that.
    Whatever the reasoning behind the misselling, it's still misselling.

    Yes it is. Proving it is a different thing though.
    Here here Shopaholic2, you are right, the onus is on them to prove PPI was not mis -sold to you. I had similar success with my other PPI claims. Stick with it.

    No. he is wrong. You are wrong.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • -taff
    -taff Posts: 15,376 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Two wrongs don't make a right :D
    Non me fac calcitrare tuum culi
  • sava05 wrote: »
    Here here Shopaholic2, you are right, the onus is on them to prove PPI was not mis -sold to you. I had similar success with my other PPI claims. Stick with it.


    No it isn't.
  • sava05
    sava05 Posts: 95 Forumite
    Success is Success at the end of the day Shopaholic2. That cannot be wrong. I rather have Success.
  • dunstonh
    dunstonh Posts: 119,820 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    sava05 wrote: »
    Success is Success at the end of the day Shopaholic2. That cannot be wrong. I rather have Success.

    That is not what is being debated here.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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