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Today I received my contents insurance policy renewal documents. I noticed that PPI had been added. Not a problem to remove.
However, I have just looked at last year's documents and it was on there too. I never asked for it. I was never told it would be added.
I've just asked for it to be refunded and was told they wouldn't. I had 14 days to check my documents last year for any errors and now it's too late to be amended.
I asked how it had been added and was told that it was probably added in error, but I should have picked that up when checking my documents. I went a little frustrated at this point and pointed out to the lady that "so you could add anything you like to a policy and if it's not spotted there's nothing anyone could do about it!!" She said that wouldn't happen. Funny, cos it just did.
I've logged a complaint and someone will be calling me back. It's only £9.36, but it's the principle.
And why is my insurance insured anyway?!?!?!?
So, questions... am I entitled to it back? What legislation etc am I quoting?
I need to know what I'm talking about when they call, so I'm researching as fast as possible, but any guidance would be very much appreciated. Many thanks in advance.
Btw, insurance company is Endsleigh Insurance Services Ltd, insurance insured by Sterling Insurance Company Ltd.
Hi
Do you have any kind of documentation regarding this insurance i.e. as you are paying it monthly it is seen as credit so do you have a credit agreement signed by yourself and specifically with PPI mentioned on it.
You must remember that when you pay insurance monthly it like a loan and they charge you more for it than if you pay the whole amount thats why they have PPi on it.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
The agreement is that if you pay by monthly direct debit, it is automatically renewable. You have to state that you DON'T want it renewed when the renewal docuents come through.
Therefore there is no signature except possibly in the first year, I can't remember. I'm fairly sure there would have been no PPI in the first year as I always say no as a matter of course, and they've included it since.
Just dawning on me - are you suggesting that since I have never signed an agreement for PPI then they can't charge it and I am due it back as a refund. Would that be my main arguement?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Do you remember asking or being asked about PPI on the phone?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
The only real way to find it all out is to do a S.A.R request which will cost you more than the PPI.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
But assuming I am right that I have never asked for PPI, which I'm sure is the case, what is my situation, where a year ago I had 14 days to check the documents and missed the fact that they added it "accidentally". Can I still claim for it?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
hi guys simple question are carlot salesmen allowed to advise on financial products such as PPI ? if so are they not supposed to be licenced by the fsa? and if so when did this start as i,m trying to reclaim ppi from welcome and was going to cite this as one of the reasons i believe i was missold
Further to this, I received the phonecall they promised. I couldn't take the call but they left a message stating that they will be refunding my PPI back from 2002 to my account.
Maybe they saw that I had never asked for this, and that I had actually stated in the beginning that I had said no to PPI.
Anyway, I'll wait to make sure it hits my account, but not so bad a result, and not much of a fight either. Maybe I'll stick with them after all.
ihatelowell - I imagine the answer is no, but probably best to start this in your own thread.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
I have been advised I have a claim by a claim company? Does anyone have any experience of using a claim company? Do they get more back than if I try to claim myself?
Have I been mis-sold?
policy renewal documents. I noticed that PPI
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Can a mos please move to successes. Ta.