Help Me Please PPI confusion

willow-tree

Can anyone help me where I can start with this, if at all, so many different companies , so of which no longer exist?

My partner and I took a loan out through Dial 4 a loan , who sold us a loan from FirstNational (now GE money) and the insurance was with Commercal Union.

The loan was from 30/10/2001 to 30/10.2006.

It was for £27,932.05 and had a single premium paid in advance of £2932.05.

The loan sale was in our own home and one of Dial 4 a loans representative came around to get us to sign the paperwork.

We were clearly told that the PPI for for my partner was compulsory, and not optional, we therefore were not given an option to opt out as we would have done, at the time my partner and myself were working for the same company full time, and we entitled to 12 months full pay 12 months 1/2 pay and then ssp, we were also both covered for accidents and unemployment at work.

Anyone that can offer any advise, if I can claim and who with would be greatly appreciated or should I go to a claim company?

[Deleted User]

Any complaint must go to the seller of the PPI, so "Dial 4 a Loan".

However, the sale pre-dates regulation of insurance sales (2005) and so any complaint can be rejected on that basis alone.

If you employ a company to represent you, it will not increase your chances of success and you would have to pay around a third of anything you might be awarded.

sun73

willow-tree wrote: »

Can anyone help me where I can start with this, if at all, so many different companies , so of which no longer exist?

My partner and I took a loan out through Dial 4 a loan , who sold us a loan from FirstNational (now GE money) and the insurance was with Commercal Union.

The loan was from 30/10/2001 to 30/10.2006.

It was for £27,932.05 and had a single premium paid in advance of £2932.05.

The loan sale was in our own home and one of Dial 4 a loans representative came around to get us to sign the paperwork.

We were clearly told that the PPI for for my partner was compulsory, and not optional, we therefore were not given an option to opt out as we would have done, at the time my partner and myself were working for the same company full time, and we entitled to 12 months full pay 12 months 1/2 pay and then ssp, we were also both covered for accidents and unemployment at work.

Anyone that can offer any advise, if I can claim and who with would be greatly appreciated or should I go to a claim company?

If your complaint is rejected by the original seller of the loan, you might be able to refer it to the underwriter of the PPI policy (Aviva?).

Also, as it was set up with a single PPI premium, you can use this as grounds for complaint.

amersall

Single premium is the way to go, this was a loan on the loan repaid to term with interest.
Don't use

We were clearly told that the PPI for for my partner was compulsory, and not optional, we therefore were not given an option to opt out as we would have done

You cannot prove this.
Use this also

entitled to 12 months full pay 12 months 1/2 pay and then ssp, we were also both covered for accidents and unemployment at work.

Try the underwriter.

Nasqueron

Would love to know where you can get a job with 12 months full pay and the 12 months on top of that at half pay. Even the civil service doesn't give away that much of tax payer's money!

-taff

A bloke I used to work with had 12 months full sick pay because he demonstrated his illness [periodic] was caused by working for tht company...Not sure if he got the half as well though...He is also still on a final salary pension [not a manager, merely a grunt, but a grunt with a great lawyer]
He has worked for them for about 30 years though,,,things were certainly different then.

cms-help

Nasqueron wrote: »

Would love to know where you can get a job with 12 months full pay and the 12 months on top of that at half pay. Even the civil service doesn't give away that much of tax payer's money!

I started work with a company in 1990 and my contract had 2 years full pay for sickness absence followed by ill-health pension.