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Help on reclaiming catalogue ppi
Comments
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This thread is more than a year old and the poster you responded to last logged in last April.There are some people who should never have been sold PPI as it was never an appropriate deal for them such as the self employed, retired people or people who have good sickness T&C s with their employer. These people will have been missold it regardless of what was said to them.0 -
There are some people who should never have been sold PPI as it was never an appropriate deal for them such as the self employed, retired people or people who have good sickness T&C s with their employer. These people will have been missold it regardless of what was said to them.
Much of that is either wrong or at least grey ares being painted as black and white
Self-employed WERE largely covered by PPI, the issue is whether the terms for claiming were considered onerous or not
Retired people - potentially but depends if they were still working more than 16 hours a week (not all people of retirement age just stop working)
People with sickness benefits at work - depends, a civil servant with 6 month full pay yes for a short term debt like CC or loan, not for MPPI. Someone with SSP or maybe 1-2 weeks paid sickness not so much. Redundancy cover as well can still be usefulSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I'm confused, so has anyone successfully applied for a PPI Claim from a catalogue company?
And can I claim for one I had with a catalogue back in the 90's?:o0 -
You can complain about anything. However, you can only claim on a live policy.0
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I'm confused, so has anyone successfully applied for a PPI Claim from a catalogue company?
And can I claim for one I had with a catalogue back in the 90's?:o
Plenty of people have complained yes, you'd have to look at the FOS website to see what uphold rate the firms have. Chances are with it being that long ago no documents will be left either way and may well be pre-regulation in the 90s, both of which will kill your complaintSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Nobody spoke to you like cr4p. You don't claim for PPI, you make a complaint about it being missold. If you can't remember if you even had it how can you possibly remember that it was missold?!
Perhaps try and understand the facts first rather than jumping on the band wagon.
You do understand that the reason a lot of people were missold ppi was simply by not even knowing they had it in the first place right?0 -
You do understand that the reason a lot of people were missold ppi was simply by not even knowing they had it in the first place right?
Forgetting you had it or not reading what you were signing doesn't mean you were miss-sold. Nobody was paid a PPI refund on the basis they claimed to have not known they had it. With say credit card PPI it's listed on every statement as a charge, ignoring that doesn't make it miss-sold; similarly loan PPI would have been on the agreement. PPI was frequently refunded though auto payments or for other failings, never solely because you didn't know you had it.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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You do understand that the reason a lot of people were missold ppi was simply by not even knowing they had it in the first place right?
Wrong, there needs to be miss selling, misleading Advice. Not being able to remember doesn't cover that. It would have shown on every statement and could have been queried or cancelled if it had been out there without their knowledge.0 -
You do understand that the reason a lot of people were missold ppi was simply by not even knowing they had it in the first place right?
Unfonrtunately, the chances of that happening are prectically zero. You would have signed something or agreed to it over the phone but for most people, they just forgot.Non me fac calcitrare tuum culi0
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