Intrusive questions!!

haras_nosirrah

The op said mortgage and that the partner only had a little part time job.

I wouldn't rely on success here. There is clearly a need when you have a main earner and not paying your mortgage has life changing results.

Bermonia

Not necessarily... if the policy covered both parties then it is possible that OP’s OH didn’t meet the minimum requirements to be eligible for the policy.

Bogof_Babe

Thanks for all the replies clarifying why I was wrong.

Just surprised, as I have known of several people who have received a payment and none of them have mentioned the complexities of claiming.

All the ads seem to call it "claiming" not "complaining".

I've never had any PPI charges (pretty sure of that, all our credit purchases were before it was invented!) so I wasn't clued up.

[Deleted User]

Bogof_Babe wrote: »

All the ads seem to call it "claiming" not "complaining".

That's because the ads are written by people who lick stamps for a living...

Nasqueron

Bogof_Babe wrote: »

Thanks for all the replies clarifying why I was wrong.

Just surprised, as I have known of several people who have received a payment and none of them have mentioned the complexities of claiming.

All the ads seem to call it "claiming" not "complaining".

I've never had any PPI charges (pretty sure of that, all our credit purchases were before it was invented!) so I wasn't clued up.

PPI started early 80s, certainly popular by the mid-late 80s and seen as pretty much dead by 2010 except for the good types (MPPI for example). Early on in the miss-selling problems, banks were paying out to get rid of cases without investigating and most, if not all, had a floor limit below which they'd pay out without investigating regardless of the merits of the case.


CMCs have popularised the idea it's a claim or that you are due money. These people are run by window lickers who are as much of a scam as most PPI was so take from that what you will...

dunstonh

Just surprised, as I have known of several people who have received a payment and none of them have mentioned the complexities of claiming.

A PPI "claim" is actually an allegation of wrongdoing in respect of the sale of PPI. There is nothing wrong with having PPI. Although some types are better than others. You can still buy some types of PPI today.

When someone puts a complaint in (Claim may be the marketing word but it is actually a complaint), they are accusing the lender of doing wrong. The lender has to investigate that complaint. Sometimes they will find faults at their end. Sometimes they will not. Where they find no faults at their end, they will often go back to the person and ask for further information which may turn up faults that they cannot see.

During the height of PPI complaining, some lenders auto paid out whether there was a missale or not.

Currently, the FOS is currently rejecting over half of PPI complaints referred to them. MPPI, which is what this thread appears to be about, has the lowest success rate of any PPI complaint. Halifax used to auto-payout on most MPPI complaints. It doesn't any more.