Unwelcome Finance PPI Questionnaire...anyone else had this?!?

[princess_kassidy]

Hi there,

 

After sending my first letter off to reclaim PPI from WF, I have received the standard 'we take these complaints v seriously...' letter. Also enclosed with this was a questionnaire they want me to fill in and send back with questions such as...Were you in secure employment at the time of taking the policy?

......Did you have any pre existing medical conditions at the time of taking out the policy? etc etc There are about 11 questions all along these lines.

 

This has puzzled me a bit and I smell a rat!!

Why would they need the answers to questions that they should already know (if they had been doin their job proporly in the first place?!) It seems to me they are somehow trying to get answers to questions that should have been (but werent) asked at the time I took the loan out?!

 

Has anyone else had this from them?? Also they have said that if I dont return the form they will not proceed with my complaint? It all just seems a bit fishy!!

 

Any thoughts would be great!

 

Thanks!

[dx100uk]

lots of people its just a stalling tactic

have a browse here at some other threads and aLSO LOOK IN THE welcome forum

 

you dont have to do it

 

if you dont want to answer a question put down none of your business!

 

dx

[princess_kassidy]

Love it...I think I will try that! Thanks for your help...i will go and have a nose at the Welcome forum!

[vjohn82]

Also they have said that if I dont return the form they will not proceed with my complaint?

 

So return the form unfilled ;-)

[ozzywizard]

As previously advised Princess, read around and you do not have to fill in this questionaire due to the fact that you have entered all the claim in your initial letter and your working to your schedule and not theirs. However if you do not send it back it will delay your claim all beit the result will still be in your favour.

 

This is the one I used and have also passed onto 3 other ppl and all have won inc myself to the sum of 5000, however you need to decide yourself and edit it as I do not know the particulars of your claim. ..

 

 

1) Why do you now believe PPI policy is now not suitable for your needs.

 

Please refer to page one question one as not enough space to write here.

2) at the time you bought the ppi were you in paid employment.

 

Please refer to question one page one as not relevent to my complaint.

 

3) has the nature of your employment changed since you bought the ppi.

 

Please refer to question one page one as not relevent to my complaint.

 

4) was your job secure, was their risk of losing your job.

 

Please refer to question one page one as not relevent to my complaint.

 

5) when you bought the policy were you in good health.

 

Please refer to question one page one as not relevent to my complaint.

 

6) how long would your income of lasted if you had lost your job.

 

Please refer to question one page one as not relevent to my complaint.

 

7) how long would your income of have continued if you had been unable to work due to accident or sickness.

 

Please refer to question one page one as not relevent to my complaint.

 

8 ) at the time you bought the police did you have anyone who was financially dependant on you.

 

Please refer to question one page one as not relevent to my complaint.

 

9) at the time you bought the policy did you have any other policy that protected your income in event of sickness or accident.

 

Please refer to question one page one as not relevent to my complaint.

 

10) any other comments to support your claim.

 

Please see page one question ten as not enough space to write here.

 

......................... ......................... ......................... .....

 

seperate letter.

 

 

Response to question one.

I was informed by your agent that my loan would not be accepted unless I took out the payment protection insurances. I have subsequently discovered that all insurances should be optional; I was NEVER given any option to take the loan without the insurances and was never provided with a comparative quote for the loans without the insurance premiums attached.

 

 

Response to question ten.

Both my wife and myself were explicitly informed by your sales agent that we would not in any circumstances qualify for the loan without insurances attached as we were “bad creditors”.

This I now know to be incorrect and feel you have created an unfair relationship due to the fact that the attached insurances are supposed to be optional.

Quite simply we were never given the option of taking out the loan with no insurances attached, the insurances themselves were not fully explained (Other than they were a necessity) and therefore were not sold following an accurate analysis of whether or not we required said cover and therefore were missold.

Therefore questions 2-9 on your questionnaire are not applicable to be answered, there was no investigation at the time of the loans as to these circumstances and the suitability of the cover and looking back in hindsight on these would only cloud current matters.

Put simply it is irrelevant as to whether or not policies may have benefited me as the option to take these out was never presented and I was misinformed that they were in fact compulsory after later discovering that they were optional. My circumstances were not considered at the time of applying these policies to my loans; therefore play no part in assessing mis-selling after the event. I was told that I had to take out the insurance to get the loan and so was misinformed and would like this resolving immediately.

[princess_kassidy]

Thanks ozzy for this, I will be sending it to them tomoro morning recorded! Shall let you know the outcome!

[princess_kassidy]

Hi again!

 

I sent their questionnaire back recorded on the 7th April and it was received and signed for on the 8th April (according to the post office website!) I still have had no response from them what so ever...is this normal or should I be sending them another letter now...I am really reluctant to call them as they always have a way of collering you into a conversation and I dont want to say anything I shouldnt!!

 

Any advise as always very mch welcome and appreciated!!