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The following article was published in our article directory on December 13, 2009.
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How Can I Notify If I Was Mis-Sold PPI – Checklist

Article Category: Business

PPI is the short form used by financial institutions and indemnity companies and it stands for Payment Protection indemnity. PPI is an indemnity that was sold along with the loan that you were getting. PPI is an optional assurance that the loan lending companies have been selling along with the loan that they disburse. This indemnity is supposed to cover the period in which you are for any reason, like accident, illness, loss of income, unable to meet the instalment payments for the loan. In some cases PPI was sold in one go, which means you paid the assurance best in a single instalment upfront. In other cases, PPI finest was charged in instalments over a period. The loan giving companies agents would sell PPI as they were getting commissions from the indemnity companies. In certain cases, the agent would decrease the interest on a loan as the corporationcompany was being compensated by the indemnity company to sell PPI.

It's only newly that people have revealed that they were sold PPI when they did not need it. This involves that PPI was mis-sold to them. Now how can you decide if PPI was mis-sold to you? Here is a checklist that will assist you to determine if PPI has been mis-sold to you.

• Did the person who was processing your loan application tell you clearly that the indemnity was optional?

• Did the loan counsellor tell you about any vital segregation in the assurance guidelines?

• If you paid PPI, did the loan counsellor tell you that you would be making a single upfront payment and the interest would be added to your loan repayments?

• Single premium PPIs last for five years. If your loan repayment lengthens this period, did the loan adviser tell you about this?

If all the terms of the PPI were not communicated to you or are not written in the indemnity policy, then you have been mis-sold PPI. Nonetheless, if this information was communicated to you, or was written in the fine print of the contract, then PPI has not been mis-sold to you. Before entering any financial agreement, you must know exactly what are you getting into. No loan consultant is going to tell you that you are an exceptional credit risk, and his or her institution is eager to give you a loan. They will try to sell you PPI so that they can earn that extra commission.

Now whether you were mis-sold PPI can become a contentious point. It will be your word against the loan business consultant. If you did sign up for the PPI policy, then you will have a very feeble case. Actually you would not have a case of being conned into buying PPI. Nonetheless, before you think of suing the corporation, you should check the agreements that you signed. The PPI may also be listed as a part of your loan accord. If you were not told that the PPI was an optional strategy, then you can bring a case against the corporation. Therefore, be certain you have evidence of this.

Keywords: PPI Claim, PPI Claims, Unenforceable Credit Agreement,

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