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Alan
Alan_Hannah
Posts: 3 Newbie
Hi,
I was in a bad place around 6-7 years ago, in fact we lost our home and we were in a trust deed.
I wrote then to everyone that I thought I might have had PPIs with, a couple paid out one £10k this money went to my trustee which went towards the people that I owed money to.
Black Horse wrote and said that they did not agree that I had been miss sold my PPI with them, even though I have always been self employed. Because I was in a bad place at this time I did not follow up!
Last year I had “Claims Guys” looking into PPIs for me but Black Horse said that because I had applied a few years ago it had timed out! Could I try for the commission or should I just let this go?
All I want to know is? Is this true or should I try again? I am in a much better place now.
Kindest Regards
Alan Hannah
I was in a bad place around 6-7 years ago, in fact we lost our home and we were in a trust deed.
I wrote then to everyone that I thought I might have had PPIs with, a couple paid out one £10k this money went to my trustee which went towards the people that I owed money to.
Black Horse wrote and said that they did not agree that I had been miss sold my PPI with them, even though I have always been self employed. Because I was in a bad place at this time I did not follow up!
Last year I had “Claims Guys” looking into PPIs for me but Black Horse said that because I had applied a few years ago it had timed out! Could I try for the commission or should I just let this go?
All I want to know is? Is this true or should I try again? I am in a much better place now.
Kindest Regards
Alan Hannah
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Comments
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Probably best to forget all about any finance prior to your Trust Deed and just get on with your life.0
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I wrote then to everyone that I thought I might have had PPIs with, a couple paid out one £10k this money went to my trustee which went towards the people that I owed money to.
Which is the correct outcome and should be repeated if you put in further complaints.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Self employed isn't a miss-sale reason per se unless the policy wouldn't cover and/or had some onerous conditions so you would expect a rejection if you just put that as the reason unless the firm accept their policy wasn't good.
If your complaint was rejected more than 6 months ago and was not passed to the FOS it is out of time and cannot be opened again. You could try a Plevin complaint but the money would again go to the trusteesSam 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 totally agree!0
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