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Finding time to study OU qualifications are designed to be flexible, but you will need to meet some deadlines. Contact your tax office, or call the income tax helpline on or see the general enquiries web page for income tax if you need more info. If so, you've got a right to take your case straight to the ombudsman. If it's been more than six months since your complaint was rejected and you didn't go to the ombudsman, you may find it might not be as easy so what you'll have to do is restart your claim — unless, for example, a severe illness may have prevented you from being able to write to the ombudsman or you couldn't find original documents as part of a claim — and later found some.
So, for most, your only choice is to restart your case. If you're not sure whether you can restart, the best thing to do is contact the ombudsman on or email. Don't give up — the fact you were rejected in the past does NOT mean you weren't mis-sold. Yes, you can. But your chances of winning redress are likely to be much lower as a payout will be seen as proof of the policy having worked in your favour. Don't be put off if this is the case. Original lender taken over? When buying another company, new owners are usually liable for its debts and for paying customers.
Sometimes the liability stays with the old provider, but complain to the new firm and it'll let you know if that's the case. This is the official body which ensures the liabilities of finance companies are met. Following your tips I claimed PPI against an old protection policy pushed by a now defunct provider — a 'mean to' job which took me months to get around to.
Enough to say yes to a family wedding invitation to Florida. Contact the company that sold you the policy — in this case, the financial adviser or broker.
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If the seller acted as an 'appointed representative' of the insurance provider, it may say to contact the provider instead. You can reclaim from a company based anywhere in the world if it mis-sold you PPI. Not all Jersey-based companies are UK regulated, so ask the company or call the ombudsman to check. Contact the company that sold you the insurance — it may refer you to the debt collection agency if it has your files. However, it's worth being aware that if you have a debt to the lender, either on this account or from a debt in the past, it's likely to use the cash towards your debt.
It can do this without your permission and is unlikely to change its offer, even if you had ill health or are in financial difficulties. This also applies to any policies purchased before a bankruptcy or insolvency order was made. Whether you've been discharged or not, these 'assets' remain part of your estate, so you're unlikely to get a refund. An extra word of warning: if you've got debt problems there's usually no point using a claims handler. If your arrears are larger than your potential payout you're unlikely to get the money, but you'll still have to pay the claims handler fee.
You can still complain yourself using this guide to help, then use the money to pay your lender what you owe it. Many families only discover a parent or family member had taken out PPI when he or she dies, during the onerous task of sorting through paperwork and their affairs — but their death doesn't mean the end of the compensation they're owed.
Any monies owed become part of their estate, so the person who inherits is entitled to reclaim let the executor know too. Yet it's worth noting there may be problems proving what happened at the time of the sale if only the policyholder was present. Read Martin's blog on how to reclaim PPI for a deceased relative.
And if you live overseas, the fact you now live abroad is neither here nor there — you can reclaim. I found several old loan statements showing PPI in my late husband's paperwork. The loan company no longer exists so I had to google the parent company for an address.
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Thank you a million times. This depends on the lender. Some need two signatures to release the info. Some only pay part to the person complaining, and keep the rest for the partner. Others pay it all to one person — if the other ever reclaims, it'll tell them to find their ex. Reclaiming almost certainly means your insurance will be cancelled — in effect you're saying it isn't suitable for your needs. We get asked this quite a lot, but there are fundamental problems with the question.
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Being mis-sold PPI doesn't make you stupid. It often involved lies and deceit from supposedly trusted institutions. Those who reclaim are only getting back cash that was wrongly taken from them. How loudly can I say this?
PPI: Can I still reclaim?
You do NOT need to pay, no way, absolutely not, never! Well, almost never. See 'Quick questions' below for the rare occasions when it's worth it. This cap'll remain in place until the Financial Conduct Authority uses its own powers to impose a cap, although we don't yet know exactly when this will be. Even with this cap, using a claims firm is still costly, whereas claiming is easy to do yourself to avoid being charged. It was so easy. However, in certain circumstances — see below — you should go ahead and do it. There are some situations when people will have to resort to using a claims company — and it's most likely to happen in the following circumstances.
You've a pre, non-ombudsman case.
For some with older cases of mis-selling that wasn't by banks, the Financial Ombudsman Service can't adjudicate. In that case, if the provider doesn't play ball then you'll need to go to court — in which case a claims company on a no-win, no-fee basis is useful. The problem is many claims companies just like to cherry-pick the easy cases.
So it may be difficult to find one that'll take this on. Mental health or illiteracy.