Thread: Why do AXA want me to jump through hoops?

Hi all, I could really do with your help

I have been unemployed since April 2008 but only started claiming benefits, JSA, since November.

I realised last month that I have been paying PPI s part of my monthly min payment on my Cap1 CC until last month and I am no longer able to do so as my savings are now gone.

I called the other day and asked to make a claim from the PPI to cover the payment and was advised that they would require certain information and would send me a form.

Today I received a letter that requests:
1 A signed declaration for Data Protection (attached)
2. Complete ABI 2 form (issued by job centre)
3. Evidence of payment of class 2 NI up till start of claim (BTW I was self-employed)
4 A copy of final accounts
5 Proof of business failure ie last tax return with local tax ofice.


I do not understand why, other than as a means to not pay out, they require all this information.

The declaration for data protection demands that "I confirm that I have not omitted any material information which would affect the Insurer's judgement of the claim" How can I possibly know what this is?

I am minded to respond by refusing to complete the declaration and with words to the effect: "It was good enough for the Benefits Agency - it will have to be good enough for you".

Then send off SAR request and apply for misselling on the basis that I was a) self employed and b) have a pre-existing medical condition.

Your views will be appreciated

GK

Self Employed you will need to check the policy booklet to see if self employment is covered if it is not (most PPI policies do not cover this ) then you were mis-sold.

Pre-Existing Medical Condition did there send you a needs and assessment questionnaire to fill in at the time you took the credit card out if not you can claim mis-selling on this too.

In the S.A.R you sent did you ask for copies of all statements as you will need these to total all the PPI payments you have made.

Regards

Pompeyfaith

Many thanks for your prompt response.
They do cover self-employed BUT the terms are ridiculous.

If for example I was, say, a web designer to RBS and my contract was ended I would have to prove that RBS had gone bankrupt/ceased trading to be able to calim - On second thoughts maybe it is not so ridiculous

With reference to disability There was no form sdent.

I now intend to request SAR from Cap1 for PPI and CCA them with the help of CAG

Thanks GK

Hi Skeptic,
I am sorry but my belief that they 'cover' the self-employed is based on the letter that I received when I tried to claim.

Frankly I am sure that they will try anything in order not to payout and so I am prepared to put in for a SAR and make a misselling claim and CCA for lack of enforceability


GK

Many thanks Pompeyface I am moving house shortly and then intend to hit all my cards etc

GK