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

[dx100uk]

looks like to me the whole insurance policy needs was mis-sold, not just the PPI!

 

dx

[dx100uk]

was this an insurance policy for you to live at the 'wrongly addressed' house, that you didn't live at?

 

so you had an insurance policy for you to do something but never did it?

if so the whole policy is mis-sold not just the PPI element because of the 'wrong' address?

 

sri i might be getting the wrong end of the stick.

 

or was it a sep PPI policy taken out to pay out on an existing insurance incase of 'illness etc'

 

dx

[dx100uk]

great then total mis-sale

just so he got his commission!

 

go get 'em!!

 

dx

[dx100uk]

have you got the agreement?

 

dx

[dx100uk]

at least 8% i bet

 

scan it up

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

.

.

dx

[dx100uk]

i would simply write a letter stating:

 

following our telephone conversation today.

 

it has become apparent that your salesman mis-sold me this : [xyz] insurance policy

 

"The company said today, you have to be living at the address you have the mortgage and policy on,"

 

i wish now to reclaim the whole policy payments

plus 8% interest under section 69 .

on each payment from its date till settlement

 

..................

 

dx

[dx100uk]

whomever sold it to you

 

state you've been told by the insurer etc etc

 

statutory interest

 

Interest under s.69 County Courts Act 1984

[dx100uk]

Ok then, how does this sound?

-----------------

Dearsir/madam,

Following onfrom a conversation with xxxxxx it has become apparent that yoursalesman mis-sold me xxxxx insurance policy.

The company said you have to be living at theaddress you have the mortgage and policy on.

Do I need to say I never have and the saleman was are of this or leave it open? -yes

I wish now to reclaim the whole policy payments plus8% interest under section 69 of the County Courts Act 1984 on each payment fromits date till settlement.

With the above I let them work out the amount? - you could do a spreadsheet StatIntSheet v101.xls

 

I await your reply

Regards

----------------------

and I suppose send recorded and dont sign the letter?! wow I actually remember some bits

What is the general action now, they say they did and try and get out of it or is it as easy as this?!

Many thanks

Ed

 

you can sign the letter

 

i'd save money and send it 2nd class with proof of postage from the PO counter

 

dx

[dx100uk]

2nd one

make it sound like you had no choice but to follow his recommedations

 

dx

[dx100uk]

correct if they didn't charge you interest

then all you can do is claim s69 court 8%

 

on EACH payment from it date

to the date of your claim

 

dx

[dx100uk]

post up the SOC

 

dx

[dx100uk]

spreadsheet

dx

[dx100uk]

yep sar them

 

specifically ensuring you request copies of ALL data

no JUST that which they are relying upon.

 

dx

[dx100uk]

you can sign it

 

dx

[dx100uk]

sure

 

dx

[dx100uk]

why

 

dx

[dx100uk]

thats a bit old now

 

no worries

 

dx

[dx100uk]

find the evidence in post 1 you refer too

 

put in a reclaim for the whole policy

 

dx

[dx100uk]

there are no time limits on PPI

 

dx

[dx100uk]

8% runs until they settle.

 

does the cd give any files or not register at all when you put it in the drive?

 

dx

[dx100uk]

what is the extension fn the files on it? like say xxxx.mp3

 

you'll prob have to enable show file extensions under folders option of windows explorer

 

dx