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Working for employment agency and PPI


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Hello guys and girls,

 

This is my first time posting but have looked for an answer to my query to no avail!!!

 

2 years ago my partner took out a loan with LTSB...he was told at the time that if he didn't accept ppi then the loan would more than likely be declined. Of course....he took out PPI!!!!!

 

At the time he was working for an employment agency...which the bank knew! I have read many threads that if you were self employed etc then the PPI was inapropriate anyway. However I can't seem to find any details on whether being on an employment agency at the time has the same affect.

 

Can anyone help....please?????

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Hello guys and girls,

 

This is my first time posting but have looked for an answer to my query to no avail!!!

 

2 years ago my partner took out a loan with LTSB...he was told at the time that if he didn't accept ppi then the loan would more than likely be declined. Of course....he took out PPI!!!!!

 

At the time he was working for an employment agency...which the bank knew! I have read many threads that if you were self employed etc then the PPI was inapropriate anyway. However I can't seem to find any details on whether being on an employment agency at the time has the same affect.

 

Can anyone help....please?????

 

Hello and welcome,

 

You need to read the terms and condition that were give with the ppi. Some policies cover self-employed etc.

 

The fact that he was told no ppi, no loan works for me:eek:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Totally agree with Hell on the fact that told No PPI then No loan, Lloyds did that with me and it cost them..lol Better not say too much here about Lloyds as the have been known to monitor Posts on here..

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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Thanks for your replies....I am going to try to dig out the paperwork to see if tells me. He was working with the agency contracted out to Land Rover but was told that it could finish anytime. He would be given one weeks notice.

I was kind of hoping that being on the agency wouldn't have been covered....another arrow to my bow!!!!.

Think I will still persue them for the PPI on the fact that they told him no PPI no loan in a nutshell.

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Thanks for your replies....I am going to try to dig out the paperwork to see if tells me. He was working with the agency contracted out to Land Rover but was told that it could finish anytime. He would be given one weeks notice.

I was kind of hoping that being on the agency wouldn't have been covered....another arrow to my bow!!!!.

Think I will still persue them for the PPI on the fact that they told him no PPI no loan in a nutshell.

Hello, Once you have all your info, send them a prelim letter asking them to refund your money plus interest. You will find a few prelim letter kicking about the ppi forum.

 

If you need help just ask:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks hellhasnofury!

 

I do have just one question though.....should my partner call up Lloyds and try to cancel the ppi first?

 

Yes, but they will not want to, but insist, Do not agree to start another loan. This is there ploy. they may say to cancel you have to take another loan. do not agree

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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They will Cancel and refund the PPI without taking out a new loan, They did with me but then I did Fight with them a fair bit..lol

 

If you need any Help with Lloyds PM me and I can let you see copies of what I used against them, I cannot post the letters etc on open forum at the momment due to Legal Reasons..

 

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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