Studio PPI Claim...please read and help if you can...

[babybear1985]

Hi there people, hope you are all well....

 

Okay basically I had "PPI plus Property" as they call it on my studio account for 6 years dating from 2004 to 2010. I actually cancelled the ppi in April 2010 when i realised on one of my statements i was paying for it. I never actually knew i had it until this time and although I wish I had brought it up with them at time of cancelletion I had been quite poorly in and out of hospital all through 2009 and 2010 so it wasnt exactly ont the top of my things to do list.....

 

Anyhows I contacted studio complaining at the beginning of the year and requested a refund of the ppi payments i had made since i apparently took it out....they have wrote back weeks later may i add after initially saying that a complaint had not been logged saying they wont refund it etc etc

 

They say ppi was sold to me over the telephone when i once placed an order in 2004, they say a copy of the terms and conds were sent by post detailing cancellation rights alongside a welcome letter asking me to read the documents carefully...they also say they sent further copies when the scheme changed underwriters etc, they also state they obviously send statements every 28 days which would show this ppi on resulting in 58 statements in total.

 

They advised it is a additional optional service which covered the account holder and partner/spouse at the point of claim, it provided hospitilisation, life benefit and al purchases were covered in respect of theft, accidental damage, fire and flood for a full 2 years regardless of employment status, they advise elements of this cover were availble to me and potentially all elements available to my partner....

 

They go on to tell me to complain to the ombudsman etc etc....

 

My question is what do i do next....im not sure exactly how much i have paid in ppi......i have been in and out of hospital since 2006 and on long term stays too so if i had know about the ppi i would have used it......we have life insurance etc etc, we have home and buildinggs insurance and have done for years with other companies....why would i take something out that we dont need.

 

I bought a DS Lite for family in 2009, they was accidentally damaged not long after having it....if id known about ppi i would have claimed it back/got a new one etc etc however it works etc

 

My thoughts were that I should right back to them explaining all the above in detail....

 

Should I also request a copy of the "call" in which i agreed to this ppi.....

 

Do i request a copy of all 58 statements so i can see how much they have ripped me off!!!!

 

They say as the policy was sold before the fsa general insurance regulations came into force they believe it would fall outside the ombudsmans jurisdiction...what does that mean....

 

please help....any advice would be greatly appreciated xxx

[ims21]

Hi

 

Basically if you didn't need, want or ask for it then it is highly likely that you were mis-sold. Did you also have pre-existing medical conditions?

 

It was the beginning of this year that you put in your claim?

 

Did you send a fos consumer questionnaire with your claim?

 

Sounds to me like you are being fobbed off.

 

I would SAR them and in the SAR letter specifically ask for the transcript of this telephone call where you apparently bought this product and you want the date, the time and the name of the operative.

 

When you get the answer to your SAR you will be in a stronger position to confront them

 

ims

[dx100uk]

ppi is nothing to do with faulty goods.

 

anyhow

 

how did you complain

 

if you didn't use the FOS CQ + SOC + covering letter

they will fob you off

 

dx

[babybear1985]

Hi there, thanks so much for getting back to me

 

yes was the beginning of the year i first contacted them to make a complaint....i dont really know much about ppi claiming...what is a fos?? should i have sent one?

 

I will send a SAR then and request the telephone call etc do i need to do this questionnaire thing too....i have no paperwork etc or anything regarding this ppi and usually i keep everything so i just dont know whats happened....will that affect things xxx

[babybear1985]

sorry just thought i should add i did have post natal depression 2003 and was on the sick and not working at the time i took the policy....didnt think untill just know...its such a long time a go....will that have an effect xx

[ims21]

sorry just thought i should add i did have post natal depression 2003 and was on the sick and not working at the time i took the policy....didnt think untill just know...its such a long time a go....will that have an effect xx

 

Hi

 

It adds weight to your claim because if you had a pre-existing medical condition then the policy would have been even less likely to have paid out.

 

ims