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Hi again

 

Just checked my MPPI to find same exclusions as all other PPI so totally unsuitable for me as far as existing conditions goes :mad: It was taken out 28 months ago on advice of IFA who knew my existing condition as well :(

It is not paid to the mortgage co but to Paymentshield as a separate purchase so don't know if under CCA but without IFA advice, we would not have bought it & reviewing the IFA's comments (in writing), she stated that she had chosen paymentshield as they were 'her only contact' for this!

 

Is this claimable in the same way as other PPI policies? How do I deal with the fact that the policy is jointly held with my OH?

 

Thanks for info.

 

PS - Is 'caggitis' classed as a new disease cos I've caught a HUGE dose of it & seem to be permanently attached to this place & the pursuit of saving my hard-earned cash...:-D

Edited by mkb

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Hi again

 

Just checked my MPPI to find same exclusions as all other PPI so totally unsuitable for me as far as existing conditions goes :mad: It was taken out 28 months ago on advice of IFA who knew my existing condition as well :(

It is not paid to the mortgage co but to Paymentshield as a separate purchase so don't know if under CCA but without IFA advice, we would not have bought it & reviewing the IFA's comments (in writing), she stated that she had chosen paymentshield as they were 'her only contact' for this!

 

Is this claimable in the same way as other PPI policies? How do I deal with the fact that the policy is jointly held with my OH?

 

Thanks for info.

 

PS - Is 'caggitis' classed as a new disease cos I've caught a HUGE dose of it & seem to be permanently attached to this place & the pursuit of saving my hard-earned cash...:-D

(Yes and beware because it is contagious) :eek:;)

 

I haven't seen all your paper work but I would suggest it is reclaimable from what you have posted. Not sure though who you would claim from as you have independent advice. If you have paperwork fine. I would write a snottogram to the advisor and reclaim from the supplier of the PPI.

 

As it is a joint account, you will need to check your paperwork to see who was the named person in the case of a claim. If it is both of you then you should both sign any letters reclaiming any mis-sold PPI.

 

 

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 :mad:

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

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

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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Thanks for getting back to me again aa.

 

Ltr from mortgage advisor here:

http://img198.imageshack.us/img198/5556/mppi.jpg

 

and Paymentshield Policy here:

http://img16.imageshack.us/img16/8931/mppi2.jpg

 

Any suggestions for the 'snottogram' (love that expression!)

 

I expect Paymentshield will say that we had plenty of time to read T & C's before now but surely we can still claim as mis-sold in view of existing conditions???

Edited by mkb

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Thanks for getting back to me again aa.

 

Ltr from mortgage advisor here:

http://img198.imageshack.us/img198/5556/mppi.jpg

 

and Paymentshield Policy here:

http://img16.imageshack.us/img16/8931/mppi2.jpg

 

Any suggestions for the 'snottogram' (love that expression!)

 

I expect Paymentshield will say that we had plenty of time to read T & C's before now but surely we can still claim as mis-sold in view of existing conditions???

 

Life can be difficult with PPI I would suggest you take up the cudgels against majestic finance as they are the brokers who appear to have said the paymentshield was suitable even though you appear to have existing conditions. ( I assume these are pre existing medical conditions and if that assumption is correct then you will need to request the needs and demands questionnaire/customer duty of care questionnaire that majestic finance used to ensure the PPI being bought from paymentshield was in fact adequate to your needs and if you have pre existing medical conditions then IMO the PPI would most probably have been inadequate under the exclusions within the policy. ( you will have to verify this by having sight of the policy exclusions)

 

Hope this helps

 

 

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 :mad:

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

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

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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Mmm - think I might just wait until I'm a bit more confident with PPI in general then & just continue with the others for now :)

 

Thanks again

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