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What, exactly, is meant by 'continuous employment'?
Guys
I was wondering if anyone could help.
I'm about to pursue Natwest for some mis-sold PPI. Unfortunately, the loan was taken out 10 years ago and, while I've made a S.A.R - (Subject access request), I'm anticipating them saying they no longer have the details.
That being the case, I was hoping someone might be able to enlighten me as to precisely what is meant by 'continuous employment' as I think this could be my trump card in terms of mis-selling.
All the PPI terms and conditions I've seen insist on a period of 'continuous employment', usually, it seems, of at least six months.
The thing is, when I took out this loan with NatWest, I was between jobs - as they well knew; the purpose of the loan was to buy a car expressly for my new job - and while I had secured a job, I hadn't yet begun it.
In these circumstances, it seems to me, there's a good argument that as I hadn't been in 'continuous employment' prior to taking out the loan, I didn't meet the T&C attached to the PPI and it was, therefore, mis-sold.
What do you guys reckon? As I've said, I'd be especially grateful to anyone who can provide a definitive defenition of 'continuous employment' even if it doesn't, necessarily, emanate from NatWest.
NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08
... which would seem to indicate I wasn't in 'continuous employment' prior to taking out the loan and that, therefore, the PPI was, clearly, mis-sold.
Nevertheless, would be grateful for any futher thoughts anyone might have.
NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08
Re: What, exactly, is meant by 'continuous employment'?
You are quite correct Fred, you were not in 'continuous employment' as you were about to start a new job
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
... do, please, take a look - I'd be grateful for any feedback.
Fred_Funk
NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08
What, exactly, is meant by 'continuous employment'?
for some mis-sold PPI. Unfortunately, the loan was taken out 10 years ago and, while I've made a S.A.R - (Subject access request
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