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I hope someone can offer some advice. I have a PPI with barclaycard and recently due to work related stress, diabetes and depression I resigned from my employment due to these health issues and hope to get back into employment asap.
In the meantime I have been given sick notes for the depression and am receiving counselling.
I have read many notes on the web saying most PPI offered exclude depression from the illness inclusions. I have checked my policy and can see no where where it states my illness is excluded.
The only exclusions I can read are:
Any condition, injury, illness, disease or sickness for which you had symptoms, consulted a doctor or received treatment or received medication during the 12 months prior to the start of the insurance cover. Deliberate self-inflicted injuries, such as those arising from alcohol consumption, drug abuse or elective cosmetic surgery.
and
You are not covered for anything that is: a) material to your claim and that you did not tell us about, prior to purchasing this insurance (cover for anything you do tell us about is always subject to the terms and conditions of your policy documents), or
b) caused by deliberate or illegal acts on your part.
As you will understand at this time it is a very stressfull time coping and due to job leaving having to move house.
What I'm asking is do you think its worth submitting a claim to barclaycard?
Firstly I would think that it can’t hurt to make a claim, the worst that can happen is that they turn you down.
Secondly, this happened to me about 12 years ago, plunged into a black hole and couldn’t be bothered even to try and find a ladder let alone try to climb out of it. You have my best wishes at this time and, you will get over it with help and the correct kind of meds, and, if it’s type 2 diabetes you can also take charge of that
Now, the point of all this is I did claim PPI successfully from various credit card companies at the time so I know it can be done. Have a go and let us know what happens.
Very best wishes
Dogs
I do very little but I do it very, very well
If I've helped give my scales a click
I have no legal experience and all advice given is based on the knowledge I've gained from this site.
PPi and depression
with barclaycard and recently due to work related stress, diabetes and depression I resigned from my employment due to these health issues and hope to get back into employment asap.
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