Re-claiming PPI as had great employment and income protection insurance

DebtbustingDiva

Hi there


I've just started on my debt management journey and going through the reclaim checklist.


Over the years I have had loads of PPI and packaged bank accounts and have got my credit files and setting out to reclaim them on my own and not using a specialist company.


However, I think I may have been naïve enough to have actually agreed to PPI.


I have a response from Capital One where they have sent me evidence that I signed up for it (online I ticked the box). BUT I was claiming that I didn't need it as had a civil service job during that time with great sickness benefits (6 months full pay, 6 months half pay), income protection insurance and mortgage protection insurance and a husband in full time employment. I detailed all my employment dates, employers, insurance details but they ignored that and just focused on the fact that I had signed it.


Would you go back to the Ombudsman with this?


And would you keep on claiming with others......I have about 20 other possible PPI claims? Orgs include Next, Currys, Egg, Capitakl One, First Direct, HSBC, Nat West, Halifax, Alliance & Leicester, Barclaycard, etc


Would really appreciate your help.

Helper1

I work for a CMC and this is the advice I would give our clients. Capital One can be very difficult once they see you were sold PPI without a sales process. Your case sounds quite strong so definitely take it to the FOS, with all relevant documents and the FOS Complaint form. It can take up to 18 months for a decision, so be prepared for a long wait. You still have a good case in terms of sick pay so you should continue your claims. If you have any previous medical conditions then mention them as well. If you remember having PPI then explain how you felt the sales process to be quite forceful. Furthermore, make sure to explain that you did not realise you could complain until now. Hope this helps.

DebtbustingDiva

Oh, thanks, I will continue with this claim then.


I think I got this response months ago so will go back and pursue it with the Ombudsman. They haven't responded to me about how much I paid in PPI either that I asked for - is it pedantic to ask that?


I've been recently diagnosed with PTSD and in considerable financial debt - is it worth "using" this as an additional point?


Sally

Nasqueron

DebtbustingDiva wrote: »

I have a response from Capital One where they have sent me evidence that I signed up for it (online I ticked the box). BUT I was claiming that I didn't need it as had a civil service job during that time with great sickness benefits (6 months full pay, 6 months half pay), income protection insurance and mortgage protection insurance and a husband in full time employment. I detailed all my employment dates, employers, insurance details but they ignored that and just focused on the fact that I had signed it.

The issue is PPI miss-SELLING i.e. someone sold something to you. If you ticked a box to say you wanted it in an online application then you miss-BOUGHT rather than being miss-sold because no-one sold you anything, you chose it, thus you wanted it. Only a few cases (which the FOS already know about) do they consider this as miss-selling where the wording of the form is sufficient to be classes as an advised sale e.g. the form says "we strongly recommend you take this product". You'd need to establish if this was the case, you can't just say it.

DebtbustingDiva wrote: »

Would you go back to the Ombudsman with this?

You can refer any rejected complaint to the FOS but they will simply check if Capital One are one of the banks that had wording sufficient to count, if not, they will most likely agree with Capital One that you bought it.

DebtbustingDiva wrote: »

And would you keep on claiming with others......I have about 20 other possible PPI claims? Orgs include Next, Currys, Egg, Capitakl One, First Direct, HSBC, Nat West, Halifax, Alliance & Leicester, Barclaycard, etc


Would really appreciate your help.

Yes you can complain to the others using the same process

Nasqueron

DebtbustingDiva wrote: »

I think I got this response months ago so will go back and pursue it with the Ombudsman. They haven't responded to me about how much I paid in PPI either that I asked for - is it pedantic to ask that?

So long as it was not more than 6 months ago or you are time barred.

DebtbustingDiva wrote: »

I've been recently diagnosed with PTSD and in considerable financial debt - is it worth "using" this as an additional point?


Sally

No this is irrelevant, only the status at the point of sale, nothing that happened later counts

Helper1

No trouble. It is perfectly acceptable to ask how much was paid in PPI. This can help you decide if it's worth it. Try asking "how much premiums were paid on the account/s". Make sure you put their reference on any documents so they can find your case. I think PTSD is worth stating as it could have put you out of work. If by any chance you have a diagnosis date then put that in as well. To get info on other accounts you can ask for PPI Information Request (PIR) for details on all accounts with each bank you ask.

dunstonh

Capital One can be very difficult once they see you were sold PPI without a sales process.

And quite rightly too.

I have a response from Capital One where they have sent me evidence that I signed up for it (online I ticked the box). BUT I was claiming that I didn't need it as had a civil service job during that time with great sickness benefits (6 months full pay, 6 months half pay), income protection insurance and mortgage protection insurance and a husband in full time employment. I detailed all my employment dates, employers, insurance details but they ignored that and just focused on the fact that I had signed it.

The fact you bought it online means that no-one sold it you. You bought it. Online purchases do not carry the same level of consumer protection that advised cases have. They dont have to check what existing cover you have in place. So, that is irrelevant in your complaint.

Would you go back to the Ombudsman with this?

Nobody here as any of the evidence available to decide if your case has been looked at fairly or not. Your complaint reason is very very weak. You are only reliant on there being a failure on the online process.

Your case sounds quite strong so definitely take it to the FOS

It is just about the weakest type of complaint going.

Furthermore, make sure to explain that you did not realise you could complain until now.

That is irrelevant to the process.

Helper1

"No this is irrelevant, only the status at the point of sale, nothing that happened later counts"

Nasqueron is correct, sorry I misread that. If it is a medical condition later than the date of sale then sadly it will be irrellavent to the banks.

Helper1

It is very important to tell them that you were unaware you could complain until now because of the three and six year rule. This is quite an unknown fact but in term of complaining you have three or six years to complain on a situation i.e PPI Sale. After this time you can become time barred. Making them aware that you only just realised you could complain will trigger the three year time NOW not back when you took out the PPI. This is not always the case but it is worth adding to reduce chances.

Nasqueron

Helper1 wrote: »

It is very important to tell them that you were unaware you could complain until now because of the three and six year rule. This is quite an unknown fact but in term of complaining you have three or six years to complain on a situation i.e PPI Sale. After this time you can become time barred. Making them aware that you only just realised you could complain will trigger the three year time NOW not back when you took out the PPI. This is not always the case but it is worth adding to reduce chances.

Will you please stop spreading myths

You cannot bypass the DISP rules just by pretending you didn't know about the PPI complaints process

The 3 year rule is nothing to do with when you took out the policy, that's the 6 year rule. 3 year is when you could reasonably have known you had reason to complain which includes the bank writing to you to tell you there is a policy

Helper1

Exactly, So putting the point in will help MITIGATE the chances (not completely eradicate) of them using EITHER the three or six-year rule.