Ppi claim advice

Louise_rose

Hi, we were sold ppi with a secured loan back in 2006 through norton finance. We were told we would need it to be in with a chance of getting the loan as our credit wasn’t the greatest. They never explained either that we wouldn’t be able to claim as I wasn’t working (stay at home mum) and my husband was self employed. I’m at a loss as to how to go about claiming though. I’ve read that norton finance and the loan company have gone bust and the only paperwork we have is the loan agreement showing that we had ppi. I’ve just been on the FSCS website but it says he won’t even look at the claim until I’ve provided proof that they advised us to take the ppi out but it was all done over the phone at the time and they just sent the forms out to be signed. Does anyone have any advice? I’d rather not go through one of these companies that do it for you if I can help it.

Nasqueron

Claims firms use the same process you do, they don't have any special skills


Are you sure the PPI wasn't just in your husband's name and are you sure it didn't cover the self-employed (this is a common claims company myth)?


Sold in 2006 yes you can approach the FSCS- just go back to them and explain the situation and see what they come back with



https://www.fscs.org.uk/what-we-cover/ppi/norton-finance/

[Deleted User]

Louise_rose wrote: »

I’d rather not go through one of these companies that do it for you if I can help it.

Very wise. Unless they were with you at the time, they won't have any evidence of you being mis sold.

If you don't have any evidence either, then they're nothing more you can do. Most PPI covered the self employed, so that's unlikely to be a good reason.

Louise_rose

It’s not just the self employed bit. We were told we needed to take it out to be in with a chance of getting the loan. Not sure how you’d prove it though when it was all done over the phone.

[Deleted User]

You can't, although it may actually have been a condition of the loan, in which case there is no mis sale.

Nasqueron

Louise_rose wrote: »

It’s not just the self employed bit. We were told we needed to take it out to be in with a chance of getting the loan. Not sure how you’d prove it though when it was all done over the phone.

Which is always the case with verbal accusations like that - told you had to have it, implied you would have a better chance of getting the loan etc, you cannot prove it so there's no point arguing the toss. If the policy would not cover the self-employed and/or you're 100% sure it was taken out to cover you (as opposed to a joint loan where the PPI 100% covered just him) then you can complain about that.