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Victim of PPI Mis Selling? How To Claim On A Mis Sold PPI
If you believe that you have been a victim of PPI mis selling by your credit card or loan companies then you can claim for a mis sold PPI, even if your Payment Protection Insurance has never been used for a claim.
Very strict regulations are imposed on finance companies, financial advisers and credit card firms in respect of the PPI (Personal Protection Insurance) they generally offer so that your interest payments are made for you in the event of illness or redundancy. Irrespective of these regulations, more than two million policies have been mis sold, and PPI mis selling is not a rarity.
Here are a few examples of what makes a mis sold PPI:
You are informed that your loan application may not be approved unless you agree to also take out the payment protection insurance they are offering you. This is to ensure that the lender gets their money in the event of you becoming unemployed or losing income due to illness or an accident. It may very well sound believable to you, but it is not legal - you are not obliged to buy it, and they will also probably omit to inform you that you will only get the interest or perhaps the minimum payment paid and not the full payment.
You apply for a loan and are informed that your repayments are a certain amount including protection. You have no idea what they mean by 'protection', but agree anyway. That is PPI mis selling because you should have been offered the PPI insurance separately. It is against the law for you to be offered a credit card, mortgage or loan on the basis that you must also take out a PPI policy, and for them to state or make you believe that you have to take out their PPI policy rather than having the right to take a suitable PPI policy from a company of your choosing makes their wrongdoing even worse.
So how can you tell whether or not you have been mis sold PPI? The above are only two examples, and others include:
• Did they make it clear that you didn't have to take out the insurance if that was so? It is so in many cases.
• Did they let you know about exclusions such as pre-existing medical conditions?
• Are You self employed? Were you asked if you were? PPI doesn't work for you and you should not have been sold it.
• Are you unemployed? Were you asked this question? Same as above!
• The majority of PPI from one single premium payment lasts five years. Was that made clear to you?
• Did they tell you that you would be paying interest on your first premium five years later because it is added to your loan?
• Were you informed that your premium would be added to your loans and subject to interest?
• Did your advisor recommend you take a specific PPI policy? If so then after January 14th 2005 he or she should also have given you a 'demands and needs statement' informing you how that specific PPI policy is particularly suited to your circumstances.
If you can answer 'No' to any of these questions then it is possible that you have been a victim of PPI mis selling and should take the matter further. At the very least you should look into whether or not the PPI was mis sold. At the least you may get all your premium payments back.
There is no need to feel bad about doing this, even if you liked the person that sold it to you, because they were misleading you. They should not be telling you that you must take PPI to get the loan or credit card because that is not true. They can make a suggestion as to the best policy for you if you want one, which will likely be theirs, but they must also give you a written good reason why this particular policy suits you Better Than the others available.
They should tell you that you can buy any PPI policy of your choosing. A failure to do this constitutes a mis sold PPI if you go on to purchase theirs. They are well aware of this but are relying on you being ignorant of your rights and that you will simply sign up when asked to.
Credit card and loan firms that state that taking their own PPI is essential or that offer you a monthly repayment sum that includes their own PPI are also guilty of PPI mis selling and they are well aware of that fact. You would probably find that you can get the same level of cover from another insurer if you had the time to look for it, and also that the policy offered would have some restrictions applied such as the medical conditions referred to above - they must legally inform you of these before you sign the form. They know that as well.
So don't feel sorry for them - they are very aware of what they are doing: selling you a mis sold PPI and hoping you don't know it. You can make a claim for compensation, and many thousands of people have done so and have been paid it: over £15,000 in some cases. So get to it! Make your claim for PPI mis selling!
About the Author
If you think that you might have been mis sold PPI then make a claim to have your payments returned to you at
Write Off Loan
where you can find out if you qualify for
and also how to go about it. It could be a financial windfall for you.
Reel Big Fish - Sell Out (Short Version)
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