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Hi
I have PPI on a few credit cards - When I signed up for the cards, I was an IT Contractor working through my own Limited company - Would I be classed as self-employed or full time employee, as I am a director of my "one mand band" Limited company ?
The reason I ask, is that maybe the PPI would not cover self-employed.
Also, I do not recall choosing the option for PPI with the credit card application, which would have been made online - Would a CCA request show whether I selected PPI or not ?
Hi I'm in the same boat and trying to get it cancelled and repaid.
As a director or employee of your own company they will class you as self employed. Any benefits you get will not be worth a carrot. The only time they will pay out is if you go involuntraly insolvent or bankrupt or you die !!
check your policy carefully especially the exclusions. yours may be different from mine.
rgds
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,079
Re: PPI & Self-employed
though my O/H was not running her own co.
she was self employed [& so not covered at the time of A/C opening].
& i'm going through the same game with 3 CC's she has
you need to SAR them [clearly stating the £10 is the statutory fee NOT a payment on the A/C] + request a full signed agreement, PPI policy, and any transcripts of telephone conversations etc they rely on to claim you signed up for the PPI.
i have have also included a line which states 'i wish an agreement signed by myself which clearly show i filled in the PPI option box by hand in ink, not one sent to me already completed by a member of your staff or an automatically generated computer printout'.
that should stitch them up quite nicely.
dx100uk
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Out of interest, who are you trying to claim PPI back from ?
I'm going for MBNA & Barclaycard initially and would be interested to know if you have approached either of these and what the initial responses were like.
Hi I'm trying it on with RBS and not getting too far at the moment......but we'll see !!!!
Initial response was "go away and stop bothering me" well nearly!
they were not too interested at first but I've kept at them
just sent them a "give me back my money" letter
lets see where that gets me
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,079
Re: PPI & Self-employed
MBNA/cap1/monument MBNA/cap1/monument
monument are the ones i'm after at present
though i have not gone down the SAR/cca route yet
keeping it informal as requested.
i must find/start a thread on it
dx100uk
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
PPI & Self-employed
on a few credit cards - When I signed up for the cards, I was an IT Contractor working through my own Limited company - Would I be classed as self-employed or full time employee, as I am a director of my "one mand band" Limited company ?
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 
