Need an advice please....

[Shira]

Hi, Need an advice urgently, I am posting on behalf for my hubby.

Last month, he is out of work & now on seeking allowance, I have sent out letters (letter 1 from your debt letter templates) to Virgin (£5,077.60), Mint credit cards (£5,030.57) & Abbey Loan.

He rang the Abbey asking for a PPI form but was told that the PPI does not cover for self employers but told to fill it in. The form has arrived but not sure if we could fill in or ignore it & go ahead with SAR instead?

Anyway he paid out £62.92 a month for PPI which I have worked out possibly 48 months total of £3020.00.

Furthermore, could we send out a letter to Barclays business account asking them to freeze interest? This was overdrawn more than £1,000.

Any advice are really appreciated.

Thanks very much.

[TUTTSI]

Re: Need an advice please....

Hi Shira

Firstly welcome to Legal Beagles.

On the PPI - did you hubby take this out as a self employed?

If he did was he made aware that he would not be fully covered in the event of a claim?

As a Self Employed person myself - I have always steered away from taking PPI for this very reason.

On this ground you may have been mis-sold PPI, but again it would depend on the circumstances. Take a look at out PPI section http://www.legalbeagles.info/forums/...play.php?f=125 you may find some usefull info there.

In the meantime other members will be along to help you.

Tuttsi

Hi, Need an advice urgently, I am posting on behalf for my hubby.

Last month, he is out of work & now on seeking allowance, I have sent out letters (letter 1 from your debt letter templates) to Virgin (£5,077.60), Mint credit cards (£5,030.57) & Abbey Loan.

He rang the Abbey asking for a PPI form but was told that the PPI does not cover for self employers but told to fill it in. The form has arrived but not sure if we could fill in or ignore it & go ahead with SAR instead?

Anyway he paid out £62.92 a month for PPI which I have worked out possibly 48 months total of £3020.00.

Furthermore, could we send out a letter to Barclays business account asking them to freeze interest? This was overdrawn more than £1,000.

Any advice are really appreciated.

Thanks very much.