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self employed and ppi please help


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hi

 

im self employed and a few years ago i took out a 15k loan with natwest with loan protection,is it true that as i am self employed i have been mis-sold this ppi ? as i have heard that ppi does not cover self employed people ! please advise!!

R.B.S Mastercard £7,189.00 written off default removed

NatWest Goldcard

Natwest business account

Natwest joint personal

B&Q Trade account

Debenhams store card

leeds mortgage

Nationwide

[sIGPIC][/sIGPIC]

 

IF YOU HAVE FOUND MY ADVICE HELPFULL PLEASE CLICK ON MY SCALES, ALL ADVICE IS GIVEN IN GOOD FAITH AND IS MY OPINION ONLY

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some do some don't

sadly you wil have to get a copy of the ppi for that period, unless someone knows different.

 

good idea though, i've got two claims going for the O/H on credit card PPI.

both say no self-employed,but it's on her areement & shes still paying.

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks for that ill look into it!!

R.B.S Mastercard £7,189.00 written off default removed

NatWest Goldcard

Natwest business account

Natwest joint personal

B&Q Trade account

Debenhams store card

leeds mortgage

Nationwide

[sIGPIC][/sIGPIC]

 

IF YOU HAVE FOUND MY ADVICE HELPFULL PLEASE CLICK ON MY SCALES, ALL ADVICE IS GIVEN IN GOOD FAITH AND IS MY OPINION ONLY

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hi Jezzy

 

Did you follow up on this, I have a similar situation with Abbey - just looking into this myself?

Thanks

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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havent had time to look into this yet,but will put it on my ever growing list!! if anyone finds out anyting let me know,,

R.B.S Mastercard £7,189.00 written off default removed

NatWest Goldcard

Natwest business account

Natwest joint personal

B&Q Trade account

Debenhams store card

leeds mortgage

Nationwide

[sIGPIC][/sIGPIC]

 

IF YOU HAVE FOUND MY ADVICE HELPFULL PLEASE CLICK ON MY SCALES, ALL ADVICE IS GIVEN IN GOOD FAITH AND IS MY OPINION ONLY

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Hi Jezzyjet,

Some PPI policies will in fact cover the self employed, you really need to get hold of the policy terms and conditions and have a good read through them before you go any further.

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi

 

Is it possible to request a copy of the PPI with a CCA or SAR?

 

Just looked on the website, 'full details of cover on confirmed account opening!'

 

Hmmmm

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Share on other sites

yep CCA for it but mention it by name. only £1

 

dx100uk:)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

 

Is it possible to request a copy of the PPI with a CCA or S.A.R - (Subject Access Request)?

 

Just looked on the website, 'full details of cover on confirmed account opening!'

 

Hmmmm

 

Thats a bit sneaky to say the least .. you will get full terms and conditions once you open account.. How the Hell do they expect customers to know what they are getting themselves into..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Thanks dx, and I couldn't agree more reidnet.

 

I'm going to have to send a chase up letter for my CCA - can I now request the PPI details as an addition-seeing as they haven't complied with my CCA request?

Or would it be better to just request it separately?

 

Thanks all

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Share on other sites

Excuse me for being a bit tick...

 

Is there a template for starting the ball rolling for mis-sold ppi?

ANyone...could you point me in the right direction please?

 

Thanks

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

Link to post
Share on other sites

i've just nicked this from boxer64 thread edit as ness::

 

Ref: Account xxxxxxxxx

Claim for : Refund Of Personal Loan Insurance Payments & Associated Interest.

 

Dear Sir or Madam,

 

 

On the 15/10/04 I was approved a loan for £10,000, I was advised that as a condition of the loan, a payment protection insurance(PPI) would be part of the loan; as it would insure payments would covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £2,997.72

 

It is fact that you are not allowed to make(PPI) a condition of a loan.

 

 

I telephoned to cancel the PPI insurance and was told that this was not possible.

 

 

I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI , including all associated interest.

And that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1and itself as detailed.

 

Quoting from the mentioned Personal Loan Agreement,“If unsatisfactory goods or services are obtained under a transaction financed by this agreement, I have the right to sue the supplier, yourself or both.

 

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

 

Yours faithfully,

 

hope it helps

 

dx100uk:-)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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