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I have had a store card for about 23 years and I took out PPI on it. I have never claimed and have been happy, the balance has always been paid off within 2-3 months. I was made redundant last Oct and decided that I would claim on the PPI.
I received a letter from the insurance company last friday to say that they would not pay unemployment claim because:
"you were working for an employer that was not a UK registered company"
I moved jobs about 4 years ago to an Irish comapny but I was located full time in the UK and have been paying UK tax all my working life.
Still worth a go, try the mis selling route, if you had been adequately informed of the small print when you took out the policy on moving to an Irish company you would have purchased alternate insurance, they will not have an adequate record to prove the T & C were discussed with you at all before taking out the insurance. Have a look at the PPI sticky posts there are excellent POC's you could use. Just registered for default judgement on T & C etc based PPI claim.
I have had a store card for about 23 years and I took out PPI on it. I have never claimed and have been happy, the balance has always been paid off within 2-3 months. I was made redundant last Oct and decided that I would claim on the PPI.
I received a letter from the insurance company last friday to say that they would not pay unemployment claim because:
"you were working for an employer that was not a UK registered company"
I moved jobs about 4 years ago to an Irish comapny but I was located full time in the UK and have been paying UK tax all my working life.
Can anyone let me where I go from here???
First time I have seen this scenario. If your store card terms and conditions state you have to work for a uk registered company fine but if the terms make no mention of changes to your working practice ie if you change employers you must inform us in writing within (whatever timescale) then you may have a chance to claim.
You at the point of starting a store card took out PPI and the terms state you must be employed by a UK registered company then you fulfil all of the obligation within the terms and conditions. If the terms and conditions make no mention of you having to notify the card issuer on change of employment to a non UK registered company especially as these terms have been on the go for 23 years then IMO the terms and conditions issued were at fault by not notifying you of the requirements to notify the lender on change of employment.
I am not a legal person but this may be worth flagging up to the legal forum for further advice.
aa
I will try and get further advice on this matter.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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Good point 42man - how can they proved these were the terms you agreed to and not some they found lyting aroud the office that relate to a compltely different card (or a completely different millenium )
Steven
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This at least would put the ball back in their court to start routing for info including the agreement and relevant t and c's etc.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
PPI rejected!
on it. I have never claimed and have been happy, the balance has always been paid off within 2-3 months. I was made redundant
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Re: PPI rejected!
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