What is the latest on mis-sold policies after pay-out?

[Hog29]

Hi all,

 

If this subject has already been covered, my apologies, but I did not find it. I have had some success with FOS ruling in my favour in the past, but I have never tried to reclaim for mis-selling of PPI when the insurer has settled a claim. I have heard that this might not be a reason for rejection, just because the one instance did not match any pre-existing health conditions.

 

There is one very obvious case: First Plus sold me PPI for an up-front payment of £9,000, although I had postponed the loan application because I had an emergency hospital admission. When they called me a few weeks later to ask if I was ready to take up the offer now, I told them about the sudden onset of diabetes, and they sold me the PPI all the same. I later made a claim when a slipped disc prevented me from work, which they have paid. But the mis-selling was very obvious.

 

A similar situation also applies to a number of credit cards. Some have paid as little as £10 and think that they are immune from re-claiming. What is the official position on mis-selling and paid claims?

 

Due to continued illness I have defaulted on all loans by now, but don't think that would be a reason not to claim.

 

Best regards

 

Hog29

[dx100uk]

matters not

 

just put in a std complaint & SOC from the FOS website

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

then take off what they have already paid out

 

dx