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Hi. I'd really appreciate some advice please. I've had a look but I can't see any threads that might help me with my question.
In 2008 I bought a car from a certain well known company. I was sold PPI at the time, told that should I ever become ill or unable to pay this policy would cover my payments. I had been ill the previous year and, naturally scared that this should recur, I took out the policy. I wasn't told that it would not cover 'existing conditions', and, being young and naive, I didn't think to ask. Had I known that it wouldn't have covered a pre-existing condition I'd never have taken out the policy.
Anyway, in late 2009 I became ill again and had to stop working. I tried to claim on my policy to cover my car payments and I was turned down as it was classed as a 'pre-existing condition'. My claim attempt was made over the phone. At no point did they ask me for my medical information or permission to contact my doctor.
Fast forward to 6 weeks ago, I put the case to them that the PPI was mis-sold. I also said that I believed my attempted claim was mis-handled. I gave them all the relevant medical information from the time as the "proof" that they requested.
I got a letter this week saying we "While we have considered your complaint and do not believe that your Payment Protection policy was mis-sold we will, as a goodwill measure, provide you with a full refund of this policy."
To be honest, I was pleased to get the refund cheque. However, it has been suggested to me that I could be entitled to more. I was wondering if someone neutral could provide me with advice please - I'm clueless! I just want to know that I'm doing the right thing by accepting this cheque.
Thank you!
In 2008 I bought a car from a certain well known company. I was sold PPI at the time, told that should I ever become ill or unable to pay this policy would cover my payments. I had been ill the previous year and, naturally scared that this should recur, I took out the policy. I wasn't told that it would not cover 'existing conditions', and, being young and naive, I didn't think to ask. Had I known that it wouldn't have covered a pre-existing condition I'd never have taken out the policy.
Anyway, in late 2009 I became ill again and had to stop working. I tried to claim on my policy to cover my car payments and I was turned down as it was classed as a 'pre-existing condition'. My claim attempt was made over the phone. At no point did they ask me for my medical information or permission to contact my doctor.
Fast forward to 6 weeks ago, I put the case to them that the PPI was mis-sold. I also said that I believed my attempted claim was mis-handled. I gave them all the relevant medical information from the time as the "proof" that they requested.
I got a letter this week saying we "While we have considered your complaint and do not believe that your Payment Protection policy was mis-sold we will, as a goodwill measure, provide you with a full refund of this policy."
To be honest, I was pleased to get the refund cheque. However, it has been suggested to me that I could be entitled to more. I was wondering if someone neutral could provide me with advice please - I'm clueless! I just want to know that I'm doing the right thing by accepting this cheque.
Thank you!
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