Natwest refuse to admit that they mis-sold PPI to me

Scousebird_2

The only way for me to comment is from my own experience. Each banks PPI policies differ slightly, but in your case, you may of been subject to what is known as a 'Significant exclusion' under the Involuntary Unemployment section of your policy. Most PPI policies would cover you if you worked temporary, and your contact has been renewed at least once-as a general rule of thumb on most policies..if you have not been in continuous employment for 6 months or more at the time of taking up the policy, making a claim can be difficult as things can get in the way, been a temporary worker I would of been inclined to-as a seller, explain that you MAY be covered-however, to check the policy wording carefully (as you should of been told you have a 14 day cooling off period-this must be told to every customer who takes out the policy)-the person who sold you the policy would have been trained but it's all very-'perfect case' scenario in any PPI training.

Furthermore-Natwest to my knowledge, and very much like my own PPI policy that I have on my loan-are not underwriters so the least they should of done was put the policy on the borrowing for you, but then explained to you that you may be subject to an exclusion under the policy, and when the documentation gets to you (which is within the 'cooling off' period) to check and see if you were covered-that is worst case scenario when no-one can give you an answer.

My best advice for anyone who is taking out or querying a PPI policy, if you have any doubt and you are with an adviser (always do your loans in branch if you want PPI-that way, everything is there for you)-ask the adviser to point you to the relevant section of the policy that answers your question or even if they put you on the phone to their underwriters, at least then you can read the document.

YOU ALWAYS HAVE 14 DAYS COOLING OFF PERIOD WITH ANY PPI PRODUCT-UNLESS STATED UPFRONT THAT THIS IS NOT THE CASE, BUT I AM YET TO COME ACROSS A POLICY THAT DOESN'T HAVE THE 14 DAYS PERIOD.

This is a very unfortunate situation, and I really do feel for you on this one as not everyone reads the mounds of documentation that is sent.

I hope that you get something sorted though as i'm sure on both occasions it was a worry and stressful wondering where your payment is going to come from.

Scousebird_2

All banks are different may I add so one policy can differ from another. the policy I sold is totally separate to any other on the market offered by a different company-so like I say, if I could give anyone advice-always remember the 14 day cooling off period and if in any doubt whatsoever, ask to speak to the underwriter for a direct response and ask them to send you the infomation in writing so you know you are covered.