PPI (Payment Protection Insurances), any tips on how to apply :/

Hi WhatHappened,

Like you I had been putting this off, but 2 weeks ago it took me only an hour or so to lodge claims with 3 different banks.  My husband died last year from cancer and I was going through some old papers when I found a couple of mortgage papers and an old credit card acceptance from Tesco Bank.

The mortgage ones just involved filling out online forms which are on the building society websites. 

I got the number for Tesco Bank and rang them as they didn't have a form.  They were very helpful and just asked me for Phil's death cert which they have just returned to me.  I have had a letter stating that they will be in touch soon with their findings.  Not heard from the building societies yet, but they say on their websites that it may take a few weeks to look into.

The whole process couldn't have been easier.  I didn't even have some of the details asked for on the forms, but they said that didn't matter and the forms will answer your questions as you complete them.  They are all a bit different, but do cover your queries. 

Definitely recommend doing it yourself.  It would seem that every lender has a specific section on their websites for PPI claims.  I'm still a bit chemo fog brain myself at the moment so if I can do it I'm sure most can.

Good luck with it.

Gail x

Owww , "Thank You" for replying.  

I am sorry to read of your husbands passing.  It seems like one thing after another, slowly all we come together.  I am pleased Tescos where helpful to you.  I don't know if you had this, today when I was 'trying' to speak on the phone 'all seemed to be going okay' then all of a sudden a 'wave of emotion came over me' then a few deep breaths - then was 'okay'.  

Tomorrow I will try again and will look on their websites - I had thought with all the 'stuff' on the tv that I was going to have to write individual letters and totally got myself worked up with it all.  

One part I remember was, one of the conditions of our mortgage was we 'had to have life insurance' - with an Insurance company - not a bank to this is where my mind thinks its not the same, originally, I was thinking 'maybe' this is what I could be applying for, although I now think this would be different and not 'payment protection type of insurance' .... however, looking at the papers it has made me see this 'buildings insurance' which I don't now it is was optional - so this could be a PPI.... this is where I think 'everyone' needs to look or apply.

Just a thought, the online forms - have you had an acknowledgement that they have received your application? (if not maybe worth a phone call or email to confirm they have received it, you don't want them saying after the date they never had it).

Why has my trust gone with all this.  Thankfully, you have made it sound easier than my brain is allowing me, it's like my brain is on 'block for this, like, I am not letting you understand this' arrghh.

I do have to laugh about this Forum, in the passed I have noticed how many Fruit Loops are or have been in 'Teaching or are/were Teachers and Nursers, then I have noticed how many are called 'Gail' hahaha

Thank you again, with love ..... Gail hahaha 

Hi WhatHappened, 

Building insurance is mandatory with a mortgage, but I would look at any life insurance/ critical illness/redundancy insurance etc. Whoever it was with should have a claims PPI section on their website. 

This is what I am looking into.  We had cover if either of us had to stop work due to illness or lost our jobs, but both our jobs gave us decent sick pay cover and as a nurse,I certainly didn't have to fear redundancy.  I did take screen shots of the immediate on line response I had to completing the forms, but will ring them for a catch up.

I can certainly relate to the emotional side of things.  Tears seem to come too easily at the moment and when least expected.  My thoughts are to just let them flow.  I know i'm still grieving for my lovely hubby, but I think many of us are probably grieving the loss of the life we had before this horrible disease reared it's head.

I didn't know that Gail was such a popular name and as for the Fruit Loops....probably have to be one to be a teacher or nurse.   Either that or those professions turn you into one.

Gail xx

I know we can’t recommend some websites but the consumers association website , Which,  has a really helpful page and template letters, some of which can be emailed though their website.

jo

"Thank You" jowoomot - I will take a look, much appreciated.

I am now questioning if I understand what this is even about.....

Is this only 'if you have paid, lets say a monthly payment for 'actual protection in case you loose a job or are sick' - that is shows 'as a monthly payment'?

When we purchased our house, we were told we had to have 'life insurance' cover (and also buildings insurance, this one makes sense, thinking if something catastrophic happened you would have the buildings insurance to pay out).  Going back to life insurance - well, if you hadn't got this and the worst happened well the mortgage company would 'have the house back' - so why would I 'have to have the life insurance? 

Does anyone know or think if 'life insurance' is classed as or if it is a type of PPI ?

Owww come back brain - maybe I am doing my new thing since BC - maybe I'm 'over thinking' arrghh.

xxxx 

Hi WhatHappened, 

Life insurance is not itself a PPI, but you may have paid a ppi to continue the payments should you become ill etc and unable to cover the payments.  Anything that was sold as protection to pay your mortgage or loan etc should you lose your job or become too ill to work ie critical illness cover, is classed as PPI.  Many people paid a monthly amount for this even though they may have been covered by work for instance.  The ppi would ensure a yrs worth of payments are made while you are off work.  

I paid for one at £24/month even though I would have been on full pay for 6 months had I become ill and then half pay for 6 months.  Together with my hubbies wage we would have easily managed to pay the mortgage.

Hope this helps with the confusion. 

Gail x

Hello , 

Thank you for this, this makes sense with what you have said.  We had to pay for the Life Insurance once every 3 months, then I think it went on to a yearly payment.  We didn't want the cover, however, could not have mortgage without it, but, the way you have said this, it makes sense that it isn't a PPI type of cover.

Yours on the other hand definitely is.  Please make sure you put a claim in on behalf of your late hubby.  

From what I have learnt today, some of the banks will only pay (if eligible) to the person making the claiming, therefore, I think you would need to put in a separate claim on your hubby's behalf. 

You have cleared up more of the confusion - Thank you.

With love, Gail xx (hahaha)