Thread: Am I being fobbed off here!!!

I have been sending letters regarding mis selling of PPI to an ex car dealers. I have sent SAR, lba already. Now I have a reply back from them saying I had never mentioned exclusions on medical grounds in my previous letters and there original decision stands.

I had mentioned in my original letter that there were exclusions in their T&C's that would have invalidated any claim. I didn't go into any further detail in my SAR, however they say I would have benefited from the insurance if I had made a claim.

Clearly,their T&C says under exclusions, they would not pay benefits if I had any sickness, disease, condition or injury which I knew about or should have known about before the start date or for which i recieved advice, treatment or counselling from any doctor during the 12 months before the start date.

Now, I was involved in accident 4 months prior to purchasing the car which i had treatment for. Would this not invalidate the policy??
If I had known this, would I continue paying for insurance for a further 18 months?? I really don't thin so. This was never explained to me by anyone when i bought the car. Help please!!!! want to file N1 but want to make sure i'm right in what i'm saying.

DIY13

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Thanks Alan fronm Derby

I shall start reading!! I'll come back to the forum if there is anything i'm unclear about.

DIY13

Now I've had a look through the info in the stickies, do you think it advisable to send an amended lba, outlining the medical exlusions. Also explaining my previous medical history prior to purchasing the car? Or should I just carry on and file my N1.

Thanks for anyone with any advice

DIY13

Hi

It's been a while since I've been on. Following on from my last posts, I had sent all the evidence required to the Car Dealers as they requested to investigate my claim further.

Enclosed in my last letter I had sent;

Consultants report (proof of previous medical conditions which were exempt under their TC's)

Copy of Health Insurance Cover (Proof of having adequate insurance cover for health and sickness prior to purchasing vehicle)

I have today received a letter from them saying:

"We have investigated yourr claim and can advise that after consideration and having spoken to Financial Ombudsmans Office, your alleged claim does not fall within the Ombudsman's jurisdiction.

With this in mind, I am afraid to advise you that we will not consider any settlement with regard to your alleged claim for the following reasons:-

The insurance product you took out was purchaased prior to the group being regulated (14 Jan 2005)

The insurance product you took out was terminated prior to the group being regulated 914 Jan 2005)

You still have the right to refer your complaint to the Financial Ombudsman Service"

Can someone give me some advice on whether to file N1 now or refer the complaint.

My initial thoughts are that the evidence I sent in support of my claim was overwhelming and ticked all the right boxes for mis-selling of PPI. I think they are using this whole regulation stuff to throw me off!!

Any help would be greatly appreciated.

Thanks

DIY13

bump!!

Originally Posted by DIY13

Hi

It's been a while since I've been on. Following on from my last posts, I had sent all the evidence required to the Car Dealers as they requested to investigate my claim further.

Enclosed in my last letter I had sent;

Consultants report (proof of previous medical conditions which were exempt under their TC's)

Copy of Health Insurance Cover (Proof of having adequate insurance cover for health and sickness prior to purchasing vehicle)

I have today received a letter from them saying:

"We have investigated yourr claim and can advise that after consideration and having spoken to Financial Ombudsmans Office, your alleged claim does not fall within the Ombudsman's jurisdiction.

With this in mind, I am afraid to advise you that we will not consider any settlement with regard to your alleged claim for the following reasons:-

The insurance product you took out was purchaased prior to the group being regulated (14 Jan 2005)

The insurance product you took out was terminated prior to the group being regulated 914 Jan 2005)

You still have the right to refer your complaint to the Financial Ombudsman Service"

Can someone give me some advice on whether to file N1 now or refer the complaint.

My initial thoughts are that the evidence I sent in support of my claim was overwhelming and ticked all the right boxes for mis-selling of PPI. I think they are using this whole regulation stuff to throw me off!!

Any help would be greatly appreciated.

Thanks

DIY13

Is there anyone out there that can help!!!! please!!!