What if you signed for PPI?

malcolmgd

Hi, just looked in the small print (very small).

You will be eligible for PPI provided you are:


Aged between 18 and 65 years old.
Not aware of any impending life threatening event, critical illness, disability or redundancy.
Agree to pay the payment.
*In fulltime employment or self-employed*.

It doesn't say anything about number of hours but seems to imply that you cannot take out the policy unless you are in fulltime employment. At 12 hours a week on NHS pay she obviously didn't need it, and most certainly was never made aware of this fact. Also, it appears there were 3 levels of cover. The most expensive includes redundancy. The other levels do not include cover. Again she was never made aware of this.

Is this a case for a claim?

dunstonh

It doesn't say anything about number of hours but seems to imply that you cannot take out the policy unless you are in fulltime employment.

It doesnt imply. It clear states it.

At 12 hours a week on NHS pay she obviously didn't need it, and most certainly was never made aware of this fact.

12 hours is not full time.

Also, it appears there were 3 levels of cover. The most expensive includes redundancy. The other levels do not include cover. Again she was never made aware of this.

Awareness often isnt an issue. You cant be made aware of everything about a policy. There are certain key facts that are mandatory to be disclosed. Versions of a policy are not one of them.

Is this a case for a claim?

Yes, there is a case for a complaint.

myright

Yes the fact that she worked part time which is under 16 hours at the point of sale will mean she was missing sold the product as she would have not met the eligibility criteria and wouldn't have been able to claim on it. She would have had to be a full time worker for her to claim on the PPI. The policy was as good as a ripped carrier bag.

wolverines

This is a very valid complaint point and it is definitely worth pursuing if you feel so inclined. 12 hours per week is clearly not full time.

Do you have a copy of the policy booklet? I imagine that what constitutes 'full time' will be set out in the definitions section and will probably state that you need to be working 16+ hours.

malcolmgd

The fine print in the booklet does state that you need to work 16 hours or more to be eligible for the policy.

However, we have gone over every millimetre of the application form. The salesman filled out the application form for her and asked all the questions on the form and he wrote down the answers for her, handed over the form and she signed it without question. Now we have had a good look at it, all of the information is correct apart from one incorrectly ticked box. It asks if you work 16 or more hours a week, it has been ticked yes. She has never worked full time in her life! And she is 100% certain that she was not asked if she worked full time, she would have said no if it had been. She has signed a form for PPI stating that she was working fulltime. She knows this is a huge con, but according to the terms of the contract she has confirmed all the details are correct to the best of her knowledge.


So we feel it probably must end there, we can't see how we could ever prove that this particular box was ticked deliberately to secure the sale of the contract.


I can see how it could be missed, spending hours filling out loan forms, asset protection forms, vehicle replacement forms and the PPI. And to cap it all, the yes and no boxes are grey and yellow and they are staggered so it is difficult to pick it up as all boxes need to be ticked in yellow. Very confusing.


Thanks for your help guys!!

malcolmgd

P.S We are being advised by family and friends to complain anyway, is there any point?

WatchMan

There's probably no harm in putting your case to the business and seeing what they say.

Another avenue might be to go to the underwriter. She was paying premiums for a policy she could never use. This means the underwriter was never at risk of having to pay out... and as a general principle/gesture of goodwill, they might agree to pay back the premiums.

wolverines

100% I would say proceed with the complaint. Not being eligible for the policy is a very valid complaint point.

Just download a FOS Questionnaire, complete it in full and send it off. There is nothing to really lose so you may as well see what happens.

malcolmgd

I have downloaded the PPI questionnaire and we now intend to complain.


When we fill in the form where do we send it?


The garage who sold the car and arranged everything, the company who provided the plan to the garage or the people who administered the plan?