Appealing PPI decision

boormo

Hi

i have used a company to reclaim my PPI which has been rejected, they have advised i appeal, but what i want to know is if i appeal without them, as in i do it personally and am successful, will i still have to pay them their 20% ??

advice gratefully received

[Deleted User]

boormo wrote: »

i have used a company to reclaim my PPI which has been rejected, they have advised i appeal, but what i want to know is if i appeal without them, as in i do it personally and am successful, will i still have to pay them their 20% ?

You need to understand that you have signed a legally-binding contract for this firm to represent you in this PPI complaint to it's conclusion.

So, although it is your own choice whether to "appeal" the rejection or not, you cannot refer this complaint without also involving the firm. You've signed away your ability to act alone.

Therefore, if you are eventually awarded redress, you will indeed get a bill for 20% of the gross amount plus VAT.

Sorry.

Out of interest, what was your complaint and why was it rejected?

boormo

hi

thanks for your input, it was the answer i was expecting. the rejection was about sick pay at my employment at the time, although if they had given me the date i took out PPI i would have been able to supply the correct info as i was 3 years out in my estimation of when i did take it out. fortunately when the PPI was taken out i was in a job with full sick pay etc so i do expect the rejection to be reversed.

[Deleted User]

How are you defining 'full sick pay'?

I wouldn't expect the rejection to be reversed on that basis.

Nasqueron

For a credit card or short loan, NHS levels of sick pay (6 months full, 6 months half) would work. If you are talking about normal company pay, you will rarely find firms offering much more than a couple of weeks - a month before you go onto SSP and this is not sufficient to win a complaint

boormo

i was lucky that i had SSP plus the difference between that and my wage made up for by my company for a year then my company insurance paid out full pay till i pop my clogs

[Deleted User]

boormo wrote: »

i was 3 years out in my estimation of when i did take it out.

This just shows how little Claim Companies do. You provided all details yourself and the company just posted them off for you. Why didn't the Claim Company advise you to find out prior to complaint the exact dates in question?

boormo wrote: »

i was lucky that i had SSP plus the difference between that and my wage made up for by my company for a year

If you hope to have the rejection overturned, you'll have to provide documentary evidence of this unusually generous sick pay to the Ombudsman.

Nasqueron

I'd assume you could also provide some sort of evidence in the form of HMRC tax returns too as that sort of BIK would be a taxable benefit