Thread: PPI Reclaiming

Originally Posted by Holidayman

I would firstly like to say hi to all at CAG and everyone who uses this site. I am indebted to CAG and its users for the help I received from their site in reclaiming all my bank charges successfully and to Martin Lewis for starting the ball rolling.

Now on to the subject of PPI. Many thanks to Alanfromderby for the excellent POC. He appears to have covered all angles in relation to this type of one to one miss-selling.

However, I went through a stage of applying for credit cards without PPI and in each case I was politely turned down. A few months later and without any change in my personal circumstances, I made a series of further applications, this time ticking the box for PPI and to my amazement, I was successful in each case.

I am self-employed and had a pre-existing medical condition at the time of these applications and as I could not be made involuntarily redundant or unemployed, I would be hard pressed to claim under the policies.

I have sent the standard template letters to the various companies and of course get the standard reply that I ticked the box and that I had a 30 day cooling off period in which I could examine the policy and change my mind if I wished to do so, which of course I regretfully didn't.

Does this mean that I am completely stuffed with regards to these claims or is there still a way that I can proceed with a claim?

If it is still possible to proceed, how would the POC read? I don't trust the Ombudsman.

I would welcome any useful tips and comments. Thanks!

Holidayman

Hello Holidayman,

They have a duty to ensure that the product they sell you is fit for purpose and must follow certain criterea, such as employment, pre-existing medical conditions etc. If they did not do this, they are stuffed. Did they send you the policy and the terms and conditions?????????

Please don't rush to get your poc done, take time and get it right. Itsme was successful with a court case, maybe pm her for a few tips.