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A little advice pls, very confused... I know my dad was miss sold PPI but...
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Follow these steps, don't bother aksing for any T&Cs, download and fill in the form and send it off.
Mention he was physically disable which prevented him for being able to claim on any physical ailment, that he was dyslexic and so didn't fully understand the forms, nor exactly hat the insurance covered.
If he did have a series of loans, they more than likely had single premium insurance which was never fully explained to him.
You also need account or loan numbers, you do not need PPI policy numbers.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
Before we go down this route is the OP sure the insurances in question are PPI? There are a lot of similar alternatives like PHI, life cover, ASU etc which can easily be confused by a layman especially at a few years distance.
It might be worth checking before the OP goes jumping in head first. If I had a pound for every time I've seen a letter saying that the customer wasn't advised about a single premium or that they were self-employed and the policy turns out to be life cover or income protection, for example, I'd be in Barbados right now. It makes the complaint easy to reject and (remember the boy who cried wolf?) if the customer subsequently makes a valid complaint it becomes more difficult to take them seriously.0 -
several loans from lloyds in the late 90s/early 2000's will be single premium PPI unless he was over 65 then.Non me fac calcitrare tuum culi0
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....So my question really is what can we do, is there any way we can find out what these policy numbers are for? How do we go about it? ...
(1) Ask his accountant. I'm presuming here that someone who is "severely dyslexic" yet "worked for himself" must have an accountant, otherwise how would they have completed their tax returns? The accountant may well be able to provide some answers.
(2) Ask the insurance companies concerned.0 -
Sorry for the delay replying to these:-
He seems sure they are, I can't check as we have no paperwork, only loan numbers on bank statements. The bank manager took all the loan/insurance paperwork off him.Insider101 wrote: »Before we go down this route is the OP sure the insurances in question are PPI? There are a lot of similar alternatives like PHI, life cover, ASU etc which can easily be confused by a layman especially at a few years distance.
It might be worth checking before the OP goes jumping in head first.
He was not over 65 at the point in question. I believe there are a lot of insurance numbers because it would seem the bank sold him insurances for anything and everything... yet again we don't really know because all paperwork was given to the bank manager and for reasons I can't grasp he 'trusted the bank manager to be honest'several loans from lloyds in the late 90s/early 2000's will be single premium PPI unless he was over 65 then.0 -
Why would the "bank manager" keep all the paperwork? That doesn't sound convincing at all.we don't really know because all paperwork was given to the bank manager and for reasons I can't grasp he 'trusted the bank manager to be honest'
Post#4 has all the advice you needed to start a complaint.0 -
Moneyineptitude wrote: »Why would the "bank manager" keep all the paperwork? That doesn't sound convincing at all.
Post#4 has all the advice you needed to start a complaint.
Well whether it sounds convincing or otherwise it's the truth. My dad went in with all his paperwork saw the bank manager. told him all this stuff was no good to him wouldn't pay out. The bank manager said leave it all with me and if you hear anything from any of them just ignore it I'll sort it out. Dad had a lot on his mind I guess at the time with one thing and another and didn't make him take copies. Now we have nothing. Believe it or don't. Yes, I have started the procedure Thank you0 -
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