Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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Thread: Help please.

  1. 15th October 2008 12:06 #1
    castor1952 castor1952 is offline
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    Unhappy Help please.

    Hello,
    Am new to this posting but have read alot of great advice on this site. However have one, perhaps very stupid, question regarding PPIicon.
    I know it covers income/redundancyicon/illness assuming you are working in the first place, but what about the policies for decreasing term Life Assuranceicon or accident cover when the applicant is not working. Are all insurances that purport to 'protect' the loan in any eventuality, classed as PPi and therfore capable of being mis-sold?
    Many thanks
    Castor

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  2. 15th October 2008 12:10 #2
    hellhasnofury hellhasnofury is offline
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    Default Re: Help please.

    Hello Castor,

    Please stick to one thread is you have questions or we won't be able to keep up with you:grin:.

    There is a tab on the lt hand bottom corner that says post reply, click that and add something to the same thread and then we will be able to follow your story.



    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  3. 16th October 2008 10:10 #3
    bobbyh99 bobbyh99 is offline
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    Default Re: Help please.

    Quote Originally Posted by castor1952 View Post
    but what about the policies for decreasing term life assurance
    Decreasing Term Life assurance is exactly that, a Life Insuranceicon payable to you on death and probably terminal illness for a set number of years (term). It makes no difference if you are working or not as long as the premiums are paid.

    BobbyH

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  4. 16th October 2008 10:31 #4
    castor1952 castor1952 is offline
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    Default Re: Help please.

    Thanks Bobby,
    So if any policy is mis sold in conjunction with any loan it comes under the general rule that it is recoverable. It is not limited to just income protection then. Is this correct.
    Thanks again
    Castor

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  5. 16th October 2008 10:40 #5
    bobbyh99 bobbyh99 is offline
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    Default Re: Help please.

    Castor

    PPIicon policies have a lot of restrictions, so when someone sells you a policy that isn't applicable to you (i.e. you were unemployed) then I guess you can start a claim for mis-selling (other experts on here will answer more specifically).

    For term assurance there are no restrictions (other than perhaps suicide). It would simply be a benefit to cover the cost of the loan in the event that you died!

    Whether you can argue that this type of policy was mis-sold, I don't know.

    Can you give more details?

    BobbyH

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  6. 16th October 2008 16:54 #6
    castor1952 castor1952 is offline
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    Default Re: Help please.

    Hi BobbyH,
    Thanks for advice but a relative who was unemployed was told by a high street lender that she could not have the loan unless she took out decreasing term Life Insuranceicon and accident cover. She did not want either really, so i thought it was possible that the insurance was to 'protect the loan ' and was mis sold. Don't know if I'm right really.
    Thanks
    Castor

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE