PPI - do I have a case due to not living at insured address?

[Conniff]

Hi all!

 

I havent been on here for ages, so I do hope if some of the old crew are still on that all of your issues are sorted or at least going your way

 

Now I am not sure if this is a shot in the dark or I have a claim.

 

In 2008 I called a company I wont name for some advice on getting a policy to pay out if I was too ill to work or got made redundant.

 

The company advised on two seperate policies and these were set up.

 

I was out of work a while back so had reduced them both down, then when back in work for some reason I increased one but not the other.

 

Things are looking iffy at work so thought I best check how I stand and increase the redundancy one.

 

The lady advised me on my options.

 

For some reason, when this was all set up, the financial adviser put the address of the house my mortgage is on,

which was being done up and not habitable,

in fact i have never lived in it,

even though he knew I was living back at home and this should have been my correspondance address.

 

I happened to say to the woman,

I should really change the correspondance address, to which she then said, yes because if you no longer live there you are not covered!

 

I then explained to which she, her colleauge I spoke to next, and supervisor all confirmed.

.. in this case you have never been covered! and even said...this looks like a mis-sold policy!

 

So guys, does this sound correct, and if so what do I do next?

 

As always, thanks for reading and any help in advice

 

Ed

 

There will of course be interest to add if it has been missold.

[Conniff]

The best tenner you will spend in you life. Send them the SAR and mention specifically transcripts or recordings of 'all' calls.