Claims company or go solo?

BadBadger

@taff - I'm pretty sure it will have been online with a phone call to confirm.

@Moneyineptitude - I think the ground you're providing has already been covered. If my initial reason for disputing the PPI isn't good enough, help me find one that is.

Thanks
DG

-taff

Usual rules of misselling don't apply when applying online, because unless the tickbox was automatically selected, which they will check for if you complain, then the end result is you missbought, rather than were missold.
If you agreed to the PPI over the phone, again, there'll be a record of it from the phone call, if you are rejected with your complaint, Egg will have to provide a copy of their phone spiel to the FOS.
You could go for single premium as a reason, but again, because you bought it online, you have slim hope with this.


Make your complaint, expect nothing and you won't be disppointed.

[Deleted User]

BadBadger wrote: »

If my initial reason for disputing the PPI isn't good enough, help me find one that is.

The main MSE site has an advice article detailing how you may (or may not) have been mis-sold PPI;
https://www.moneysavingexpert.com/reclaim/ppi-loan-insurance/#checklist

Unfortunately, applying online means that no one actually sold the insurance to you so you are going to struggle with any complaint you might make unless the box selecting PPI was pre-populated and you had to actively deselect it.

If the loan was still being paid off in 2008 or later, you may obtain a Plevin refund of undisclosed commission.

Just don't complain that the PPI was added without your knowledge and permission.:)

Nasqueron

BadBadger wrote: »

Hi, @Nearlyold

I appreciate that might be the case but some of the responses went beyond 'that's not a great reason' to 'you agreed to it and forgot because you're an idiot'. I'm looking for advice and reassurance, not accusations.

In terms of other reasons why PPI wasn't suitable - I have no idea, I guess that's what I was asking in my second question. Are there a list of common reasons that PPI is mis-sold that I could compare to my own circumstances for example?

Thanks
Dave

No-one is calling you an idiot, simply pointing out that 15 years after the event it's unlikely you remember exactly the wording of the form and what you did. As an example, you said you always tick to say "I don't want PPI", what if you misread and the box was to take out PPI and you ticked it by mistake (the bank don't know this, only that you ticked the box)?


There are plenty of reasons PPI was miss-sold but they may not apply to you and you would be expected to provide evidence of these, hence why no-one on here will tell you what to write to try and "game" the system. E.g. NHS workers with 6 months full pay, 6 months half pay if they were sick/unable to work with effectively guaranteed redundancy packages (as opposed to a private firm which could go under and leave you with the bare minimum) are good reasons why credit card PPI was not needed, however, if you didn't work for the NHS, claiming you had these excellent benefits will harm your case when they ask you to prove it.


As I said above, submit the complaint and see what they come back with, they may identify another failing you didn't know about, they may see the sum is low and just auto-pay, they may reject, you won't know unless you submit.