Capital One refusing claim for sickness

[luluspice]

Hi,

Any advice or similar experiences please!

 

When I was made redundant I was able to claim my PPI as a carer.

 

I did not have to sign on.

 

AXA paid off the outstanding balance in a lump sum and advised me I would not be able to claim again for twelve months.

 

I used the card since and have kept up payments to date including PPI.

 

I have now been diagnosed with cancer & they are refusing to meet claim as I never returned to work in between claims?? (apart from 10 days temp)

 

I was never told of any such condition & feel this is out of order as they have been taking PPI payments from me!

 

Cheers

Luluspice:-)

[citizenB]

I will try and find some help for you.

 

Also relocating you to PPI forums

[luluspice]

Thank you

[dx100uk]

i would suggest you look at reclaiming the ppi as a whole

 

you'll get more back than what they will ever payout anyway

 

if you have all your statements

fill out the attached spreadsheet

 

 

if not sar them.

 

dx

[luluspice]

Thanks for advice. Not sure if I could claim PPI back as already made a claim? Madness is why should Ii have to be in receipt of benefits in order to prove anything. What if I did not receive benefits due to other income.

I was made redundant and did not need to sign on as I am a carer, so they chose to pay out on my PPIunder carer criteria, now I amactually unable to return to work due to cancer I do not see why ihad to sign off then sign on again to qualify??? I am waiting on decision in writing...then they will hear from me!! lol:madgrin:

[ims21]

Hi

 

You can claim back mis-sold PPI even if a claim has been paid out under the policy. You just deduct what you have received from the total amount you are due.

 

ims

[Surfer01]

Hi

 

You can claim back mis-sold PPI even if a claim has been paid out under the policy. You just deduct what you have received from the total amount you are due.

 

ims

 

Surely the OP is better off if AXA pay off the debt rather than getting a PPI refund on the payments as the refund on the payments probably will not cover the debt?

[ims21]

Surely the OP is better off if AXA pay off the debt rather than getting a PPI refund on the payments as the refund on the payments probably will not cover the debt?

 

A couple of things though

 

1 AXA are refusing the claim and appear not to be paying out

 

2 Until the OP prepares some figures its impossible to say

 

ims

[dx100uk]

plus you'll find the ppi i bet does not cover the whole thing

 

they usually cover max 12mts

 

dx

[luluspice]

Hi,

Just got letter from AXA advising that they are refusing my claim due to following exclusion:

 

Once you have received an amount equivelant to 12 monthly paymens for any one unemployment claim, you must return to work for at least

* Three consecutive months before you can claim again for unemployment.

* One month before you are able to claim under section F Accident and Sickness Cover

You have already received a maximum claim and have not returned to work We are therefor unable to consider this claim any further on this occassion.

 

I find this really bazzar. I sent them proof that I was my husbands carer and I was not signing on for that reason. My PPI was paid out under carer leave NOT unemployment. I see this claim as different circumstances.They took the PPI from me, did not advise me I could not claim again for any reason. Only told me I could not claim again for 12 months. So I guess in a way it was not fit for purpose (as in mis sold) Why would I pay PPI if I have to be working to claim on it - or am I being too logical? Just trying to compose a letter, any tips would be much appreciated.

I have no intention of getting stressed about it. Having cancer is a bigger deal!! I could just stop paying them anything, the worst they can do is put a default on my credit file, our home is up for sale, negative equity, only in hubbys name, no assets, no bailifs in Scotland, debt is only £900, cost them more to try to take action!!

[dx100uk]

i'd get reclaiming then that will upset them

 

dx

[luluspice]

Yeah my thoughts too. I've just written a letter stating my case and advising I believe I have been mis sold. After all, why take PPI off me if I was not working? ...and they knew that!

Many thanks

 

Luluspice

[luluspice]

Well, Capital one have finally replied & are sticking to their guns. Refuse to honour claim now I am no longer a care but am now sick -Also stating that as I have previously been paid out more than I have paid in premiums they will not refund payments made sinceI became a carer??? My point is I was told I could not claim again for twelve months, there was nomention of having to return to work. Being a carer is a taxable benefit, so there's a wee annomoly her I think?

Och well, I'll just keep harassing them for the hell of it

[freelance]

Hello luluspice

 

Did they ever send you a policy for the insurance? If so what does it say in there about claiming again on the policy?

[dx100uk]

the 12mts thing is quite typical

 

dx

[luluspice]

I was told could not claim again for another 12 months, which has well passed!

All they have sent me now is a copy of my Credit agreement No T&Cs for PPI. I read that they have admitted to not sending these to customers a few years ago, befor I opened account...but as we know history has a habit of repeating itself!!!

Just wondering how to challenge them on this basis. i.e You did not send me T&Cs so in effect mis sold??

Any tips folks?