PPI Claim

Baggiebird1nil

Sorry if this is in the wrong place but I have tried to download the PPI claim letter for my daughter and it won't let me open it. Does anyone have it in word please?
Thanks

cadgaboo

Hi I also had the same problem I managed to download it but it wouldn't load at all and was just gobbeldy gook. Someone emailed me this morning and sent it to me, If you like I can try and forward the email to you with the letter attachment, though I am new here so am not sure how I go about it yet but will give it a try.

Baggiebird1nil

Thanks have pm'd you my email address.

Kate

Former_MSE_Wendy

Hi

I am trying to find out why some people can't open PPI letter1, in the meantime this is the template at 5 nov 07:

[BLUE BRACKETS]: REPLACE WITH THE RELEVANT INFO [RED BRACKETS]: JUST FOR INFO – SO DELETE

[insert your name

and address]

[insert date]

[insert name and
address of company
that sold you the
loan/card insurance]

Dear Sir or Madam,

Re: Account number: [insert account number]

I purchased the above policy from you in [insert date] but now believe that I was mis-sold this policy for the following [select from reason / reasons]:

· [Use this section if self-employed, unemployed or retired or delete]
This is due to the fact that I [select from was / knew I was soon to be] [select from self employed / unemployed / retired / over the age limit] when I took out the policy and [select from I made this aware to your member of staff / your member of staff did not ask me about my employment status / age] when the policy was sold.

· [Use this section if you had an existing medical condition or delete]
This is due to the fact that [select from your member of staff did not ask me about any previous medical conditions / I informed your member of staff that I had previous medical conditions but they did not inform me of the effect this could have on the insurance] when the policy was sold.

· [Use this section if you had a general health problem or delete]
This is due to the fact that having now read the terms of the policy I have noticed that the medical condition of [insert condition you hold] is not covered and [select from I informed your member of staff that I had this condition but they did not inform me of the effect this could have on the insurance / your member of staff did not advise me of potential exclusions] when the policy was sold.

· [Use this section for lender who has already been fined or delete]
This is due to the fact that you have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests.

· [Use this section if you had a single premium policy or delete]
This is due to the fact that I paid a single premium for my policy but did not see it through to the end of it’s initial term after [select from paying back my loan earlier than planned on the [insert date] / cancelling the insurance before the end of my loan agreement on the [insert date] / a change in my circumstances meant I was no longer eligible for the insurance from the [insert date] and I informed you of this at the time].

· [Use this section if you have previously failed to cancel your policy or delete]
This is due to the fact that I contacted you on [insert date] and you informed me that I could [select from not cancel the policy / only cancel the policy if I took out a new credit agreement]. As the FSA has now stated ‘no refund’ terms are considered unfair I would like my original cancellation request to be honored /B][/FONT][/COLOR][B][COLOR=red][FONT=Arial]use if relevant or delete[/FONT][/COLOR][/B][COLOR=black][FONT=Arial] and any fees incurred as a result of taking out a new agreement to be refunded[B.

· [Use this section for general mis-selling or delete]
This is due to the fact that I was not given the correct information when the policy was sold to me, as [select from

• your salesperson stated / implied that taking out the policy would assist my credit application.
• your salesperson was very pushy in selling me the policy so that I felt I could not say no.
• your salesperson did not tell me that the policy was optional [use if relevant or delete and I have since realised that I have alternative insurance cover.
• your salesperson stated / implied that taking out the policy was essential for me to get the associated credit /B][/FONT][B][COLOR=red][FONT=Arial]use if relevant or delete[/FONT][/COLOR][/B][FONT=Arial] even though I informed them that I already had alternative insurance cover[B.
• your salesperson did not give me full information on what the policy would and would not cover /B][/FONT][B][COLOR=red][FONT=Arial]use if relevant or delete[/FONT][/COLOR][/B][FONT=Arial] for example that the loan only covers[B]/[/B]ed the first five years of my loan term[B.
• i am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.
• having recently looked at the paperwork for my loan / credit card / store card I have noticed that only [insert name person covered by the policy] is fully covered by the policy and [insert name of person not covered by the policy] is [select from not entitled to claim for all sections of the policy / is not covered at all], when I was informed / led to believe that all parties were equally entitled to the insurance cover.
• having recently looked at the paperwork for my loan / credit card / store card I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me.]

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I look forward to a full and prompt response to this letter and for the matter to be concluded with eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

Yours faithfully,

[insert signature]

[insert your name]