PPI rejected

Lisa0101

Hi wonder if anyone can help. I recently put a claim in with egg (Canada square operations) which was one of many accounts I had many years ago. It came back rejected on 2 questions. One was did I get sick pay/redundancy etc... at the time I couldn't remember exactly how long but ticked the 6 month one. I know though that I used to get full sick pay and would have got a good redundancy package if I was to be made redundant. Also the question did I have any other means of paying if I was out if work. I didn't have any other insurances but my partner at the time was in a high earning job which would have covered all the bills that needed paying without a doubt so put this as my reason and egg have rejected my claim. Does this sound fair enough to be rejected? If I had put that I got full sick pay for 12 months plus (which I probably would of done i just couldn't remember at the time) would this have made a difference? What are you meant to put for a successful claim if you can't remember many of the details?
Many thanks

[Deleted User]

You're meant to put the truth, for both claims and complaints.

If you're guessing at the information and it's wrong, that would be a good reason for a declined complaint.

Your complaint reasons don't sound very strong, even if they are real.

Bermonia

If you had claimed 12 months or more full sick pay then you would’ve been asked to provide proof as that level of sick pay is exceptionally rare. Your parents income was/is irrelevant.

If you can’t remember then you say as much - or you lie, then you are making fraudulent statements to try and obtain funds by deception... good luck with that one.

dunstonh

Does this sound fair enough to be rejected?

You have given us the rejection reasons. What were they?

Redundancy package is not really much of a concern. Most PPI pays out in addition to redundancy. And if the employer fails, the package is often disregarded and you end up on statutory.

Sick pay can be an issue. If the PPI pays out in addition to sick pay then it's not bad. If it does not pay out in addition and you have 6-12 months then you would usually get an upheld decision.

Reliance on a spouse carries more weight than relying on a partner. Unless history with that partner is long term.

If I had put that I got full sick pay for 12 months plus (which I probably would of done i just couldn't remember at the time) would this have made a difference?

Most firms have a database of employer benefits. They usually ask you so they can check against their database for differences. So, telling lies or giving random guesses does not help if they can see otherwise. They would normally ask you for proof of sick pay when it differs to a level that may make a difference.

What are you meant to put for a successful claim if you can't remember many of the details?

"i dont remember" or "I am not sure." or words like that.

[Deleted User]

Lisa0101 wrote: »

If I had put that I got full sick pay for 12 months plus (which I probably would of done i just couldn't remember at the time) would this have made a difference?

I think it unlikely that telling them this would have helped.

Can you evidence this (very generous) sick pay scheme? You don't really expect the Bank to simply accept your word for it, especially as it contradicts your earlier statement.

Other means of paying would not be a partner or family member with a good wage. It would be significant savings, which again you'd have to evidence, that might have swung it for you.

Lisa0101 wrote: »

What are you meant to put for a successful claim if you can't remember many of the details?

You can only put the truth. Your complaint reasons appear to have been weak and you fixating on phantom sick pay and partner's wage is not going to change anything. Not every PPI policy was mis-sold.

If you disagree with the rejection, you have six months to refer the complaint to the Ombudsman.

Lisa0101

Would it be something I can contact my old employer about and ask them so I have the correct details or is this not a done thing? December 2004 I left there so along time ago

Bermonia

you can of course ask, however they would have to also supply you with proof that you would’ve been entitled to that level of sick pay st the time of the sale.

I would put money on it being nowhere near 12 months or more full sick pay - as already stated this is VERY generous and almost unheard of - even public sector workers (generally consider to have some of the best benefits) do not receive that level of pay.

Rainbowgirl84

You really just can't just make things up and guess at stuff to suit your complaint...how do you think that will be viewed?

Lisa0101

So if nobody gets a good sick pay package then everyone is going to get their claim rejected on that question then?

[Deleted User]

Lisa0101 wrote: »

Would it be something I can contact my old employer about and ask them so I have the correct details or is this not a done thing? December 2004 I left there so along time ago

Understand that your complaint has already been rejected. The time to provide such evidence was with your original complaint.

You could contact your old employer and ask them to provide proof of your sick pay and then send this with your complaint referral to the Ombudsman, but I suspect you'll find you didn't actually have 12 months sick pay as that is extremely rare.

However, as explained earlier, your complaint will not have hinged simply on you saying you only had six months sick pay. Read the rejection letter and digest all the reasons they gave for not upholding your complaint.

Lisa0101 wrote: »

So if nobody gets a good sick pay package then everyone is going to get their claim rejected on that question then?

You are looking at this from a skewed perspective, a generous sick pay package is just one reason why you might not have had need of the insurance, it is not a guaranteed success even if you have.

dunstonh

Lisa0101 wrote: »

So if nobody gets a good sick pay package then everyone is going to get their claim rejected on that question then?

People do get a good sick pay package. Most people overestimate their sick pay package.

Where the PPI doesnt pay out in addition, then its a good complaint reason. Where the PPI does pay out in addition, then its weak or even pointless complaint reason.

You still havent given us the reasons why it was rejected.