I need help finding out if I qualify to claim

[ims21]

Hi harry

 

To be absolutely sure I think you would have to send a Subject Access Request to each lender you list. Each one will cost £10 and will yield copies of agreements and statements (amongst a lot of other stuff too).

 

From this information it will be possible to determine which ones had ppi and which ones didn't.

 

Self employment is one of the criteria for mis-selling.

 

Take a look at the PDFs on the fos website for the guidance notes.

 

Hope this helps

 

ims

[ims21]

Hi harry

 

I agree...it does seem unfair.

 

Given what these financial institutions have done to consumers, I feel it is better to have as much information as you can get. I think its fair to say that there is virtually zero evidence of them playing ball and being fully open and honest even after the Judicial Review. You only have to look at a few of the PPI threads to see that they will still baulk, delay and deny etc.

 

You might be lucky with a simple approach - no harm in trying but don't be disappointed if they try to fob you off.

 

This site is all about consumers Regaining The Right and that means asserting yourself over these people and taking control.

 

Better to have a full paper trail and a well researched case if you want to take court action (which is a lot quicker than using fos) so building that case starts right at the beginning in my view.

 

Regards

 

ims

[ims21]

Hi harry

 

Unfortunately the image is too small to read.

 

Can you post it up as a PDF file

 

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

Thanks

 

ims

[ims21]

Hi harry

 

If you hit "go advanced" and "manage attachments" you can add and remove attachments from there.

 

Won't hurt to leave the JPGs up though.

 

Regards

 

ims

[ims21]

Hi harry

 

The Mortgage Offer document you've posted doesn't include any PPI. The Life Insurance mentioned is one that you already held and that you said you handed them the policy/documents for.

 

ims

[ims21]

PS.

 

What does the phrase:

 

"Mortgage Protection - £40,000.00"

 

refer to?

 

Could a PPI have been "incorporated" without my knowledge?

 

Hi harry

 

What you posted was a letter of offer and there is no mention of ppi on it. I think the protection you mention relates, at first sight, to the life insurance policy you handed over to them.

 

The only way to be 100% sure would be to SAR them (although you could just phone them in the first instance and ask)

 

With only the mortgage offer document it is difficult to be sure. It has not been unknown for these things to be added without the customer's knowledge though.

 

ims

[ims21]

Am I clutching at straws, here, do ya fink?

 

Erm yes I think you are.

 

Life insurance provides benefits on death to pay off the mortgage.

 

PPI is a different thing

 

ims

[ims21]

Hi harry

 

Have to confess I'm not an expert on Life Insurance (not that I'm an expert in PPI) but cerainly your statement in the previous post about PPI is correct.

 

Others will be looking at this thread and will advise on your Life Insurance query.

 

ims