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Oct. 14, 2010 - PRLog -- Have you been missold your PPI policy?

It is reported that the PPI (Personal Protection Insurance) market is worth an estimated £5bn, with more than 20 million policies in force, but banks have been criticised for misselling expensive policies which customers find hard to claim on. Our step-by-step guide includes free template letters for reclaiming missold PPI.

An FSA study reveals that, of the 30 firms it investigated selling PPIs with revolving credits (i.e. Credit and store cards and catalogues), unsecured loans and sub-prime mortgages and secured loans:

   * Around half of these firms did not take reasonable steps to ensure customers did not buy policies which they could not claim on, or offered only very limited cover;
   * Advice on PPI was likely to be poor, with most firms not having systems in place to adequately assess suitability;
   * There was an over-reliance on product documentation at the expense of explaining the policy to the customer orally, with most firms selling by telephone and not giving enough information about exclusions;
   * The quality and timeliness of product and price disclosure by some firms selling single premium policies was poor;
   * The level and structure of incentives and targets for sales staff might encourage misselling in some firms;
   * Training and competence of sales staff was not adequate in around half of these firms;

Have you taken out any of the following?

   * Car Credit
   * Personal Loans
   * Mortgage
   * Credit Cards
   * Finance with any purchase


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