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I'm back! Been a bit slow on this one, but now taking on HFC for PPI refund. Initial letter resulted in PPI being cancelled and an enquiry started . No joy so far and they have another 3 weeks to sort something out. They seem to be having difficulty finding the paperwork . Having read a number of threads on here it looks as though I am in for quite a fight. No worries, I took on ltsb and won; so quite looking forward to being an active member again.
It's great to be back amongst like minded people - let battle commence
broke dave v LTSB WON £3840 2 weeks before court.
Mrs broke dave v Barclays accepted offer £355.
broke dave v LTSB (Business) Prelim stage.
broke dave v LTSB (2nd Claim) LBA stage.
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
1. I am self employed (and have been for nearly 8 years)
2. Every phone call I have received has referred to me being 'employed' by '______'. To which I have replied that's me!
3. The bank account is named 'broke dave T/A _____'; a sure sign that it is a sole trader account.
4. The box about the nature of my hobbies make me at a higher risk of injury has been ticked (I play golf and walk my dog!)
5. Due to the nature of my job (I'm a fitness consultant), I am at a high risk of injury!
Do I need to go on? Have I missed something?
bd.
broke dave v LTSB WON £3840 2 weeks before court.
Mrs broke dave v Barclays accepted offer £355.
broke dave v LTSB (Business) Prelim stage.
broke dave v LTSB (2nd Claim) LBA stage.
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Genuine question: Why is it considered mis-selling if self employed? The only policies I have seen appear to cover self employed in the event of the business going under (unemployment claim) and accident/sickness claims would be the same as for an employed person wouldn't they?
Accident/sickness claims are only allowed if it is shown that you are not receiving any income from your business. So, if I am off sick and for instance I charge £50 per hour, I could ask you to cover my appointments for £25 per hour. I am still then earning £25 per hour myself. Even if this is for just a couple of hours to honour agreements, I am not covered.
broke dave v LTSB WON £3840 2 weeks before court.
Mrs broke dave v Barclays accepted offer £355.
broke dave v LTSB (Business) Prelim stage.
broke dave v LTSB (2nd Claim) LBA stage.
the 6 policies i have had all excluded self employee . . . Full stop.
Blackhorse Citi and GE
If I have helped click my scales....
Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
Accident/sickness claims are only allowed if it is shown that you are not receiving any income from your business. So, if I am off sick and for instance I charge £50 per hour, I could ask you to cover my appointments for £25 per hour. I am still then earning £25 per hour myself. Even if this is for just a couple of hours to honour agreements, I am not covered.
I know there must be differences between policies, but I thought an accident/sickness claim only needed certifying by the medical profession i.e. if unable to work then a claim can be made - makes no difference what other income you may have.
I've just checked this on my own PPI policy on my mortgage (which I asked for and it's good value IMO.....you wouldn't want mymortgage payments !!) and that's pretty much what it says.
Policies differ from company to company, you need to read the terms and conditions of your policy. (if they ever sent them). Which many don't
There are some good PPI policies out there, and it is great if you are fortunate to be able to claim on them.
Many financial companies have preyed on the ignorant and have blatantly taken advantage of their customers, especially those who have had the misfortune to be desperate for a loan. Some customers don't even know the have it, till they start to investigate. Really good selling techniques there
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
you need to read the terms and conditions of your policy. (if they ever sent them). Which many don't
Have been asking for a copy for since 13 August.
Why wont they sent me one. ????????????????????????? ???? lol
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I Wish you everything you wish yourself.
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NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
broke dave v HFC (Beneficial)
refund. Initial letter resulted in PPI being cancelled and an enquiry started
. No joy so far and they have another 3 weeks to sort something out. They seem to be having difficulty finding the paperwork
. Having read a number of threads on here it looks as though I am in for quite a fight. No worries, I took on ltsb
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Originally Posted by broke dave
) and that's pretty much what it says.
