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PPI Claim, am I too late?

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13

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  • brettcta wrote: »
    Because free money, DUH

    ...but, but it paid out for two years and help with covering my mortgage and bills when I was made redundant...surely it must have been mis-sold even though it did what it said it would do.
  • ljt84
    ljt84 Posts: 12 Forumite
    Third Anniversary
    Oh and I had mortgage PPI and haven't made a complaint. Can you tell me why you think it was mis-sold and that having had it makes me likely to be due a payout?

    Plevin rule perhaps? As stated, it says on this very site "Just having had PPI means you were mis-sold and are likely due a payout" If you can get some money back off the banks etc then why the hell not? It's better in our pockets than theirs.

    And yes Brettcta "Because free money, DUH" - Precisely that!

    But alas, I really don't want to de-rail this thread any more than I have.
  • brettcta
    brettcta Posts: 4,693 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ...but, but it paid out for two years and help with covering my mortgage and bills when I was made redundant...surely it must have been mis-sold even though it did what it said it would do.

    I wish that wasn’t a thing but there’s *so many* of them
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • ljt84 wrote: »
    Plevin rule perhaps? As stated, it says on this very site "Just having had PPI means you were mis-sold and are likely due a payout" If you can get some money back off the banks etc then why the hell not? It's better in our pockets than theirs.

    And yes Brettcta "Because free money, DUH" - Precisely that!

    But alas, I really don't want to de-rail this thread any more than I have.

    Doesn't apply...I had PPI and am not due one penny back. In that case what this very site says about likely being due a payout is wrong.
  • ljt84
    ljt84 Posts: 12 Forumite
    Third Anniversary
    Doesn't apply...I had PPI and am not due one penny back. In that case what this very site says about likely being due a payout is wrong.

    Why doesn't it apply? was the commission less then 50% then?
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    ljt84 wrote: »
    Plevin rule perhaps?
    The Plevin ruling won't apply to you because you sought out a PPI provider yourself rather than use your mortgage lender. As such, any undisclosed commission won't have exceeded the tipping point for Plevin.
    ljt84 wrote: »
    Why doesn't it apply? was the commission less then 50% then?
    https://forums.moneysavingexpert.com/discussion/comment/76187500#Comment_76187500

    Do realise that the MSE article makes no mention of the many exceptions/exclusions to Plevin for the sake of brevity. The article was written with the express intention of not discouraging those wishing to complain about PPI/Plevin.

    No free money for you I fear...
  • ljt84 wrote: »
    Why doesn't it apply? was the commission less then 50% then?



    Very much less. I shopped around a bought directly. MPPI commission was and still is a low percentage. Are you understanding PPI any better yet?
  • ljt84
    ljt84 Posts: 12 Forumite
    Third Anniversary
    The Plevin ruling won't apply to you because you sought out a PPI provider yourself rather than use your mortgage lender. As such, any undisclosed commission won't have exceeded the tipping point for Plevin.


    Do realise that the MSE article makes no mention of the many exceptions/exclusions to Plevin for the sake of brevity. The article was written with the express intention of not discouraging those wishing to complain about PPI/Plevin.

    No free money for you I fear...

    This is exactly what I was on about, Stop making assumptions!, I'm not intending on trying Plevin for my case, I'm asking about foxtrotoscar not being able to use Plevin for his/her case!
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    ljt84 wrote: »
    I'm not intending on trying Plevin for my case
    I'll leave you to it...
  • it says on this very site "Just having had PPI means you were mis-sold and are likely due a payout
    Many things on this site need to be taken with a large dose of NaCl . .
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