halifax ppi refused

[aneate]

i had ppi i did not know about had a stroke February 2006 not being to work and left disabled now aged 68 owing £2000 on card, paid card off in march 2006 with money from family always been self-employed now with fos whats my chances. thanks tony ps had i have known could i have claimed ?

[charitynjw]

Re: halifax ppi refused

Hi aneate,

AFAIK, if you were s/employed, PPI would not cover you.
So if you had been paying for PPI cover, it should be refunded.
How long has this been with FOS?

[aneate]

Re: halifax ppi refused

about a month

[Turboman]

Re: halifax ppi refused

Which lender btw
It is not general that self employed are not covered--Barclaycard for instance cover self employed

[Bill-K]

Re: halifax ppi refused

Yes indeedy - but no perhapsy, however. I believe BoS also covered the self-employed, but the conditions for claiming as a S/E policyholder were often (arguably) restrictive, and usually not explained clearly at the point of sale or in distance-sold documentation. For instance, a self-employed bricklayer who had been unable to work for a few weeks through injury might not be covered - whereas one who was employed as staff may have been. The self-employed person was often required to go through formalities to 'cease trading' or 'wind-up' his business - even though he expected to return to work later. So - although cover was provided - it was restricted, or restrictive.

Just as an illustration of how difficult a brickie's job can be:-
https://www.youtube.com/watch?v=VuRgiZVMUO0

I believe Turboman knows of another similar case involving a scaffolder or an aerial rigger.

Back to serious stuff, though - I note that Aneate says that he did not know he had PPI - and that in itself also indicates that it was mis-sold. If he was a victim of such 'mis-selling by stealth,' then he was not only being charged for PPI, but effectively precluded from claiming under the policy by being kept unaware of it. In that case, he may well have a good case for making a belated claim under the policy - along with compensation/damages, IMHO.

[Turboman]

Re: halifax ppi refused

Rofl--yep-posted 13th June 2007 (same day I joined--I always post this on all forums first)

PPI Query

Just as an illustration of how difficult a brickie's job can be:-
https://www.youtube.com/watch?v=VuRgiZVMUO0

I believe Turboman knows of another similar case involving a scaffolder or an aerial rigger.

[Angry Cat]

Re: halifax ppi refused

Some firms claim that they did cover for self employment. But in reality, so often the policy wording was cleverly written, ambiguous and intended to mislead...

[aneate]

Re: halifax ppi refused

thank you all tony