leedslad wrote:
The thoughts on this would be appreciated from the many users of the TX
Isn't it the finance company that needs attacking?
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| payment protection with LTI http://www.taxi-driver.co.uk/phpBB2/viewtopic.php?f=5&t=11993 |
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| Author: | leedslad [ Fri Aug 07, 2009 2:03 pm ] |
| Post subject: | payment protection with LTI |
Has any member of this forum taken action against LTIs finance Company. This is for the return of the payment protection that they charge when a new TX is taken under the preferential payment scheme. The thoughts on this would be appreciated from the many users of the TX The return of monies for payment protection schemes has reached all areas of the finance section I wonder if it has taken LTIs into consideration. It would make a large number of taxi owners very happy. |
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| Author: | Sussex [ Fri Aug 07, 2009 5:33 pm ] |
| Post subject: | Re: payment protection with LTI |
leedslad wrote: The thoughts on this would be appreciated from the many users of the TX
Isn't it the finance company that needs attacking?
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| Author: | tcabbie [ Fri Aug 07, 2009 6:49 pm ] |
| Post subject: | |
Black horse finance with LTI. |
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| Author: | wannabeeahack [ Fri Aug 07, 2009 7:12 pm ] |
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the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold |
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| Author: | agabbycabbie [ Sat Aug 08, 2009 11:32 am ] |
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wannabeeahack wrote: the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold
It will have been mis-sold if you are self employed, as payment protection doesnt cover you, and they know it. |
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| Author: | wannabeeahack [ Sat Aug 08, 2009 3:21 pm ] |
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agabbycabbie wrote: wannabeeahack wrote: the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold It will have been mis-sold if you are self employed, as payment protection doesnt cover you, and they know it. its worth a punt if the refunds is worth chasing, what has it cost so far, you can ring and cancel PPPs at anytime. ive always found BH to be very good |
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| Author: | Nigel [ Mon Aug 10, 2009 3:50 am ] |
| Post subject: | |
wannabeeahack wrote: agabbycabbie wrote: wannabeeahack wrote: the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold It will have been mis-sold if you are self employed, as payment protection doesnt cover you, and they know it. its worth a punt if the refunds is worth chasing, what has it cost so far, you can ring and cancel PPPs at anytime. ive always found BH to be very good If your going down the route of claiming DO NOT go to one of these companies that are advertising in the paper, you can do all the work yourself. I got £900 from Nat West's PPI company after being missold a policy, all you need is the loan agreement number and your away. |
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| Author: | Nigel [ Mon Aug 10, 2009 3:50 am ] |
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wannabeeahack wrote: agabbycabbie wrote: wannabeeahack wrote: the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold It will have been mis-sold if you are self employed, as payment protection doesnt cover you, and they know it. its worth a punt if the refunds is worth chasing, what has it cost so far, you can ring and cancel PPPs at anytime. ive always found BH to be very good If your going down the route of claiming DO NOT go to one of these companies that are advertising in the paper, you can do all the work yourself. I got £900 from Nat West's PPI company after being missold a policy, all you need is the loan agreement number and your away. |
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| Author: | Nigel [ Mon Aug 10, 2009 3:50 am ] |
| Post subject: | |
wannabeeahack wrote: agabbycabbie wrote: wannabeeahack wrote: the payment protection wil lbe via an insurance company and to recoup would have to have been provably mis-sold It will have been mis-sold if you are self employed, as payment protection doesnt cover you, and they know it. its worth a punt if the refunds is worth chasing, what has it cost so far, you can ring and cancel PPPs at anytime. ive always found BH to be very good If your going down the route of claiming DO NOT go to one of these companies that are advertising in the paper, you can do all the work yourself. I got £900 from Nat West's PPI company after being missold a policy, all you need is the loan agreement number and your away. |
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| Author: | wannabeeahack [ Mon Aug 10, 2009 8:45 am ] |
| Post subject: | |
Nigel, i heard you the first time Nigel, i heard you the first time Nigel, i heard you the first time 
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| Author: | skippy41 [ Mon Aug 10, 2009 10:40 am ] |
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Go to that money saving expert site and you can download the required documents, You can in fact reclaim all miss sold policy's going back years even from banks 
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| Author: | wannabeeahack [ Mon Aug 10, 2009 11:55 am ] |
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Have you been paying for a policy which includes ‘unemployment’? If you don’t need unemployment cover, perhaps because you don’t work or are self-employed, and mentioned this when you took out the policy, or were never asked about your employment status at all, a reclaim may be possible. Is the policy suitable? The unemployment element of PPI is only suitable for people who were ‘working’ at the time they took out the policy, therefore you should have been asked about this at the time of application. Example question: Are you in permanent employment, self-employment or contract employment for more than 16 hours a week? Of course, if your policy only covers accident and sickness, with no unemployment element, this section doesn’t apply to you. What is classed as ‘working’? Providers have different definitions, so it’s important to examine your policy in detail. If you’re self-employed, check whether your specific set-up is covered. As the ‘unemployment’ element is a substantial part of the insurance cost, many who are self-employed have been paying for a semi-useless policy and this could’ve meant a huge waste of money. Those who were unemployed at the start of the policy (including students and stay at home parents), were almost definitely missold the insurance as, obviously, you wouldn’t be covered for losing your job. The same applies if you knew you were going to become redundant or retire when you purchased the policy. If it isn’t suitable, were you missold? Assuming the policy isn’t suitable, we must establish whether the salesperson bothered to check. Remember, it’s the situation you were in at the time you got the cover that counts, so if you were an employee then, but are now self-employed, that’s not their fault - unless you’ve subsequently asked if the cover was still suitable and been misinformed. It’s likely you were missold if either: A. You made the salesperson aware of your situation and they suggested you get it anyway. B. You weren’t asked about your employment status at all. Age is an issue too Most polices have an upper age limit of 65 or 70, after which you’re not covered for anything. If you were older than this when you took out your policy, you were definitely missold. If you have passed the age limit since taking out the policy, your cover and therefore payments should have stopped, but if they haven’t for any reason you’ll at least be entitled to a refund of payments made since passing the age limit. This situation is rare, as providers’ records should flag up someone’s age being too high from their date of birth, but do check. What to do if you were missold? Read the other categories to check there aren’t more reasons to complain and then write a letter to your lender. Full details and template letters in the How to reclaim section. http://www.moneysavingexpert.com/reclaim/ |
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| Author: | wannabeeahack [ Mon Aug 10, 2009 11:59 am ] |
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We bought a house, and i had just started a new job at the same time, after 5 months i was off sick for a month (sound like 6 months?) then left the job (laid off) when i came to make a claim I was told i hadnt been employed 6 months as per the fine print.. |
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| Author: | Nigel [ Tue Aug 11, 2009 9:02 am ] |
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wannabeeahack wrote: Nigel, i heard you the first time
Nigel, i heard you the first time Nigel, i heard you the first time My connection was playing up. |
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