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mrfdes

A quick PPI question

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Some years ago Lloyds TSB gave me a £35,000 personal loan.

After a number of years the company I worked for did not have work for me anymore (or not enough anyway to begin with).

As I made good money there I was still able to keep paying my loan but it eventually defaulted.

 

I am paying it off bit by bit now, however, it was not until later I realised that I also paid for PPI included in what I paid back for the loan.

 

I was under the impression that a PPI was meant to be for purposes like my situation, ie. if you can't work anymore or see your income reduced significally or lose it altogether, the PPI was meant to pay it off.

 

Am I right or wrong, and is there anything that can be done to get rid off paying off the loan, because of the PPI I took out and paid for?

 

Thanks,

Frankie.

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Howdy Frankie.

If you were paid off, or made redundant then the PPI on the loan presumably should have kicked in and started making payments for you. You have to ask them to do this though, you have to make a claim on the Insurance before it will start.

I would phone up the PPI people and explain your circumstances and see what they say.

 

If you phone them and get nowhere then send off a Subject Access Request (template here : http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html).

Wait for the results of this and see exactly what the terms of the PPI are.

 

The PPI would probably only repay the loan for a fixed amount of time, so you should see what that time is when you get the SAR returned.

You've probably got 2 options here, you could go after the PPI and reclaim because they havn't been paying off the loan (but that may be hard if you didn't tell them that you were unemployed), or you could probably reclaim the payments you made into the PPI (whichever is greater really!).

 

You really need to know exactly how much you have paid into the PPI, and exactly how much it would have covered you for in the event of unemployment, and the only way to do that really is via the SAR mentioned above. Having sent a SAR will always help you anyway, as it proves to them that you know what your doing, and im sure the Ombundsman looks on it as a good thing too if your complaint gets that far.


01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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