Where do I start?

Nasqueron

adam_adam wrote: »

ive contracted for multiple banks now and the more you write the more you shoot yourself in the foot. most bank processes deem you ineligible unless they can prove you eligbilble. complaints are rarely upheld based on complaint points themselves. if you've got a card going back say 20 years, more than likely the bank wont hold that internal evidence therefore you could literally write in and say i was self employed at the time of sale and nothing else and because that app/cca wont be availabe and your complaint will be seen as plausible as there's nothing internal to suggest you wasn't. these kind of upholds make up the bigger percentages of upholds.

You do realise the onus is on the accuser to prove the case, not the bank to disprove it?

Claiming you were self employed when you weren't will risk them calling your bluff and killing your complaint. Also, if you have worked as you say, you should be aware a lot of PPI (especially MPPI) covered the self employed, it was a claims company myth that was an auto-win

adam_adam

It's not a myth at all, every single bank I've contracted for has an auto uphold policy on self employed status or director of own company.

have you worked in PPI?

Nearlyold

If the PPI redress was going to be £4,000 for example and there were no other potential miss sale issues why would you auto uphold if the policy covered the self employed with no onerous conditions?

If you have a genuine reason for complaint - can't see how putting it in your complaint letter would be shooting yourself in the foot, I can see that folks who make up a load of complaint reasons copied from template letters are likely to come unstuck eg - "I was told I had to have PPI to get the loan" coupled with "It was added without my knowledge" .

WatchMan

adam_adam wrote: »

It's not a myth at all, every single bank I've contracted for has an auto uphold policy on self employed status or director of own company.

have you worked in PPI?

I've worked in this field for a while.

I wouldn't describe it as an auto uphold. From what I've seen, complaints are only upheld for self employment (or kindred reasons) if:

- The consumer shows they were self employed when making the complaint; or
- The paperwork or the businesses own systems show the consumer was self employed; and
- The terms relating to self employed people were onerous.

Even then, some complaints aren't upheld. I've seen businesses making arguments such as: "we don't think these (quite clearly onerous) terms were onerous" / "The consumer could've used the accident and sickness parts of the policy!" / "The term was quite clearly explained on page 256 of the policy document"

Just go on to the FOS website and you'll still see final decisions published upholding complaints on self-employment. Many more will have been upheld in initial assessments.