Claim PPI for Self-Employed

hogman252

Hi all,

I have read through the advice on legitimate reasons for reclaiming PPI on this site. I understand that in many cases, PPI was sold to Self-Employed people, even though the policy would not cover people in these work circumstances, thus making the policy worthless, hence the claim for mis-selling.

I purchased an income protection policy from Best Insurance, since alternatively known as British Insurance, Assurant Solutions, and Adminicle Insurance. I have never claimed against it, so i do not know if they would ever pay out to a Self-Employed person. Their sales people obviously say that they would, but how do i know? And if they don't or wouldn't, how can i claim back my premiums through mis-selling?

Thanks

[Deleted User]

hogman252 wrote: »

i do not know if they would ever pay out to a Self-Employed person. Their sales people obviously say that they would, but how do i know?

Ask them for the policy terms and conditions if you don't trust them. Why would they "obviously" lie?

hogman252

'Why would they obviously lie?'

Ehrm, this entire PPI farce is about Financial companies lieing and deceiving their customers!

I was hoping that someone on here would have some knowledge of this particular company, also known as Trent Services, and whether anyone has brought a PPI claim against them on the grounds of being Self-Employed.

[Deleted User]

hogman252 wrote: »

Ehrm, this entire PPI farce is about Financial companies lieing and deceiving their customers!.

I don't think "lying and deceit" are at the heart of the PPI mis-selling debacle, but that's a separate discussion…

As I said, ask the company for the policy terms and check if the insurance covered the self-employed. If it did, then you have no complaint.

dunstonh

I understand that in many cases, PPI was sold to Self-Employed people, even though the policy would not cover people in these work circumstances

Some types of PPI dont cover self employed. Many do. MPPI and income protection type PPI tend to be the ones that do cover them without onerous conditions.

Their sales people obviously say that they would, but how do i know?

Because they told it would and the you would expect it to. Most do.

I purchased an income protection policy from Best Insurance, since alternatively known as British Insurance, Assurant Solutions, and Adminicle Insurance.

That also indicates a direct purchase and non-advised.

Ehrm, this entire PPI farce is about Financial companies lieing and deceiving their customers!

So, your approach is tar all companies with the same brush even though they have very different distribution channels and issues that wont apply to them that say the banks have suffered?

Misscarlyi

I'm a newbie so here goes....

In 2006 we remortgaged with the HALIFAX. As my husband who was the main earner at the time was self employed we were advised by the HALIFAX that we would need life cover and PPI for the remortgage to be accepted.

Following their advice we took out life insurance with FRIENDS PROVIDENT and PPI with AXA COUNTRYWIDE INSURANCE SOLUTIONS.

We are still repaying both the PPI and life insurance and I now feel that we were missold this as PPI should be optional.

Please can anyone give me some advice of who to contact HALIFAX or AXA COUNTRYWIDE to reclaim my PPI?

Many thanks

[Deleted User]

Misscarlyi wrote: »

I now feel that we were missold this as PPI should be optional.

Not on mortgages it doesn't. Only if they told you that the PPI was compulsory when it wasn't would you have a valid mis-selling complaint.

roonaldo

Misscarlyi wrote: »

We are still repaying both the PPI and life insurance and I now feel that we were missold this as PPI should be optional.

Halifax's documents stated it was optional so that wont work.

hogman252

Once again, may i ask if there is anyone on these forums that has knowledge or experience of Best Insurance, British Insurance, Assurant Solutions, Adminicle, or Trent Services, with regards to Income Protection Insurance for the Self-Employed.

dunstonh

hogman252 wrote: »

Once again, may i ask if there is anyone on these forums that has knowledge or experience of Best Insurance, British Insurance, Assurant Solutions, Adminicle, or Trent Services, with regards to Income Protection Insurance for the Self-Employed.

yes there is. The people responding to this thread.

antrobus

hogman252 wrote: »

Once again, may i ask if there is anyone on these forums that has knowledge or experience of Best Insurance, British Insurance, Assurant Solutions, Adminicle, or Trent Services, with regards to Income Protection Insurance for the Self-Employed.

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