PPI występuje pod różnymi nazwami:
Lifestyle Protect
Payment Break Plan (PBP)
Accident, Sickness, Unemployment (ASU)
Payment Protection Cover - usually on credit cards (PPC)
Mortgage Payment Protection Insurance (MPPI)
Loan Cover
Life Choices cover
Payment Protection Cover for credit cards, Accident Sickness and Unemployment Cover or Mortgage Payment Protection / Loan Protection for loans and mortgages
Payment Protection (also broken down into Accident and Sickness/Involuntary Unemployment)
Cardholder Repayment Protection (CRP)
Payment Care
A oto różne powody, które oznaczają "mis-sold" PPI, należy wybrać pasujący do naszej sytuacji:
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].
[I also told your salesperson that I had adequate insurance cover through a separate income protection policy.]
[I said I did not need the PPI as my employer provides a generous illness and redundancy package.]
[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]
[In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]
Należy ściągnąć kwestionariusz (consumer questionnaire) ze strony Financial Ombudsman Services, wysłać go do swojego banku, odczekać 8 tygodni i jeśli brak odpowiedzi, to wysłać taki sam kwestionariusz do Financial Ombudsman (ale zawsze najpierw zwracamy się do banku):
http://www.financial-ombudsman.org.uk/p ... s/ppi.html
Pozdrawiamy
PolSaver
http://www.polsaver.co.uk/