Życie

Payment Protection Insurance claim

Witam! Czy ktos z was claimowal Payment Protection Insurance,ktory bank wam "wepchnal" np.z kredytem gotowkowym? Jak to dziala,jak dlugo sie ciagnie i czy ma jakis wplyw na credit score? Pozdrawiam.

i nie ma to najmniejszego wplywu na credit score.

właśnie doczytałam, ze decyzja ma zapaść Marzec-Kwiecień.
I ze niektóre banki wstrzymały rozpatrywanie PPC claims. Dlatego napisz do swojego banku i dowiesz sie czy rozpatrza ci teraz, czy potem.

Oto template: (wybierz paragrafy w zalezonoci od okoliczności)

Dear Sir or Madam,

Re: Account number: [Your account number]

I am writing in relation to the above payment protection (PPI) policy which I believe was mis-sold to me.

I believe you have not treated me fairly for the following reasons;

[Delete the reasons that do not apply to you]

• The PPI was added without my knowledge.

• The salesperson selling the insurance was pushy and strongly advised me to take the insurance.

• I was [select from – told I had to take the insurance/told I could not get my [loan/credit card/credit card etc] without the PPI/only provided with a quote for the cost of the [loan/ credit card etc] with PPI attached].

• I [select from - was/knew I was soon to be] [select from - unemployed/self-employed/retired/over the age limit] when I took out the policy and [select from – made your staff aware of this/was not asked about this].

• I was not [select from - asked about any pre-existing medical conditions I suffered from/warned that pre-existing medical conditions could affect my insurance].

• I [select from - was not informed that stress and back problems were excluded from the insurance/informed staff about (your medical condition) but was not warned that this would affect the insurance].

• I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments.

• You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

• I was sold a single premium policy that was not fully explained to me as [select one or more from – the whole cost of the insurance was not made clear to me/it was not explained what would be refunded if I cancelled the insurance or if I repaid the loan early].

• It was not explained that the PPI would not run for the full term of my loan.

• When I tried to cancel my insurance [select from - the refund I was offered did not represent a fair refund as is required under FSA guidelines for PPI providers /I was told I could not cancel the PPI without taking out a new credit agreement].


Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.


I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

Yours faithfully,

[Your signature]

[Your name]

Chyba najlepiej kupic sobie Income protection.... Choroba+ wypadek + zwolnienie z pracy.... cokolwiek sie stanie przez 12 miesiecy firma ubezpieczeniowa placi... Oczywiscie trzeba poczytac wszystkie kruczki, kupic sobie takie aby placili od 1-szego dnia (a nie od 4-go miesiaca np
Najlepiej szukac samemu i nie bawic sie w doradcow kredytowych, ktorzy wciskaja te firmy z ktorymi wspolpracuja (np tylko 2).
Co do claimowania to nie wiem...

Rybkie,na jakiej podstawie oparlas swoj claim? O ile to nie zbyt osobiste pytanie? U nas to bylo tak,ze moj partner podkreslal,ze nie chce PPI,a potem jak zerknelam w papiery to mnie zamurowalo,bo i tak mu dali pozyczke z ubezpieczeniem...