Thread: HELP needed please!

Originally Posted by Vespavixen

Your help in this matter would be much appreiciated............. are you ready for this .........Sept 2004 my partner and I took out mortgage with Black Horse for £11609.64 inc charge for credit also PPI for £3275.37 plus charge of £1478.19.
February 2006 I was diagnosed terminally ill and we promptly made all the necessary arrangements to kick start the PPI that was an endurance test in itself.Payments were made by PPi always late to Black Horse from Lloyds TSB in February this year informed can only claim for two years as policy only covers 2 years sick...................ho w can this be so I ask myself?
Meantime earlier this month my partner arranged to take out a mortagage on his own through HSBC our own bank to afford lifes little luxuries for me...........a trip to Australia to see my daughter etc etc. This has met with an ok until we contacted Black Horse re some paperwork and they will now not allow Deeds of Postponement because claim still not settled on PPI as they are still in arrears.Talk about read the small print any1 out there faced a similar situation in many ways I hope not but surely we cannot be unique............PPI is about as much use as rocking horse sh*t as far as we are concerned
I still remain term. ill and yet am told cannot receive any further payments as basically lived past my sell by date so to speak .
How can this kind of insurance be sold.......surely its against the law selling something at great cost to ourselves to be told it doesnt cover us except for a period of 2 years...................
Your help in this matter will be surely welcome
Thank you

Hello Vestavixen,

So sorry to hear of your problems. Do you have a copy of the terms and conditions, did they send you them when you took out the loan.

The despicable conduct of these companies and terrible, in selling expensive policies to cover sickness only to find that they do not cover you when you need them. This practice is unacceptable.

I would send them a SAR, you will find one in the ppi stickies, it does cost £10, they should send you everything, including the terms and conditions of the ppi. At lot of these companies will not be able to produce these document, because they have been complacent and never thought that ppi would come back to bit their bum.

I would also write to them and complain about the fact they are causing you distress and potential hardship, by making the payments late, again unacceptable.

Keep us posted please:grin: