Thread: National Insurace EXEMPT Self-employed

Originally Posted by norwich1

Ineligible to be sold PPI note 4 admin
I HAVE a QUESTION ??????????????? But first READ ON--------

National Insurace EXEMPT, Self-employed or others who are exempt.

I was not Eligible to be Sold the PPI and/or to make a claim.

Quote from one of my PPI T/Cs “(3) Significant Features & Benefits, Eligibility, To be eligible for cover you must be, first named on the agreement, over 18 and under 65 at the end of the agreement in employment or self employment and paying the correct class of National Insurance Contributions” unquote.
I was self-employed and not paying any National Insurance Contributions as I was exempt from paying Nat Ins as I did not earn enough to do so.

Therefore freinds if you were exempt from paying Nat Ins you were not eligible to be sold PPI and/or able to make a claim.
Check your Policies if it says and paying the correct class of National Insurance Contributions (Clas 2 in the case of self-employed) Then CLAIM but you must have a copy of your exemption Form ( maybe a DPA request to to the Inland Revenue is appropiate here?)
I have won 5 claims on this basis and I have got at least 2 if not more similar to follow up.
Hope this helps the less well off.

Now THE question: WHY ?
I have letters from some of my creditors stateing "I would have been unable to make a claim because of this" and therefore they have refunded all premiums Plus interest.
But I do'nt know WHY, and I want to find out because I want to take the Banks to court.
Anybody.
Hellhasnofury???????????? ??

Hello Norwich,

I do have to admit that I do not know the answer, but it is an important piece of information non the less

I would maybe pm sequenci with a link to this thread, to see if he can add some light to it:grin:

Not aimed at you directly HHNF but I know you are up in these matters.
I have pm'd Sequenci
Any more suggestion to as who may be able to unravel this mystery.
Thanks

It might be because if you are self-employed and only have small earnings, they might think(?) you are working less than the 16 hrs per week required for PPI and therefore not eligible to claim.