Mortgage PPI Help please

[bespsol]

Hi,

Please could somebody hopefully give me some promising advice around an insurance company who have declined a mortgage ppi claim. I would hope this thread will make other PHers aware of another loophole which the insurance company is using to try to not pay.

My wife was a school teacher, was made redundant in 2009, took some temporary work for just under a year immediately after being made redundance and then left work to have our baby boy. Due to not having full time employment we had to claim for Statutory Maternity Pay.

The SMP ended in August which prompted a claim (within 3 days of the payments ending) to the insurance company. Today after lots of letters, faxes, emails, telephone calls I get the news that the claim has been declined. The reason given was that my wife was in temporary employment which does not constitute payment.

My wife's last 'income' was from 9 months of Statutory Maternity Pay which was enough to keep our payments up to date. Why would the previous employment as a supply teacher before SMP have anything to do with the claim?

Funds have now completely depleted and naively I've put all our eggs on a claim which I didn't expect to become rejected.

Please could somebody help me with some nuggets of information I can add to my armoury to support my case. I appreciate there are many more bits of information required to make a real judgment but am in panic mode now about keeping our heads above water. I do enough extra work as it is.

Many thanks in advance,

Bespsol

[JonathanC]

Try these guys, I've heard good feedback from friends who they've helped:

http://claiming4u.co.uk/

[Andy_GSA]

JonathanC said:

Try these guys, I've heard good feedback from friends who they've helped:

http://claiming4u.co.uk/

I don't think the OP is trying to reclaim his premium at this point, rather get the insurer to pay out. He might need to go through the insurers complaints procedure and then to the ombudsman - hopefully one of the insurance experts will be along soon. Another thing he could do is contact the DWP and see if he qualifies for Support for Mortgage Interest benefit payments, if he is he should make an application ASAP as it can take a few weeks for these to be processed.

[bespsol]

Thanks for that info Andy. That's a good call. I've a call with them today to put in an appeal so hopefully something will come to fruition.

[Mandat]

I've never felt the need to buy PPI hence I don't know all the terms and conditions associated with such insurance, therefore please excuse me if I am asking a simple question.

If, as you say, your wife is not currently working due to having a child why would the PPI policy cover your mortgage payments in that situation?

[leef44]

Mandat said:

I've never felt the need to buy PPI hence I don't know all the terms and conditions associated with such insurance, therefore please excuse me if I am asking a simple question.

If, as you say, your wife is not currently working due to having a child why would the PPI policy cover your mortgage payments in that situation?

This was my thought also (I too not knowing too much about PPI small print.
However, I reckon the insurance company is taking the stance that when the person was made redundant, she then managed to find other work albeit temp work. This then means that she has sufficient income and she is not exposed after having been made redundant. Having stopped the temp work, she is now exposed with no income but in that "event" she has lost income from temp work and it looks like the wording does not cover for temp work.

[scotal]

leef44 said:

Having stopped the temp work, she is now exposed with no income but in that "event" she has lost income from temp work and it looks like the wording does not cover for temp work.

I don't know of any MPPI policy that does cover temp work, simply becuase its temporary.
When the policy was set up, the OP's wife was a permanent employee. Had she claimed when she was made redundant she would have had a valid claim. The temp job would have ended that claim, but since then she has been "voluntarily unemployed".
At the risk of sounding harsh, you've either received bad advice from someone, misunderstood the product you've bought, or not read the T&C's.

I guess you could go down the complaints route, followed by a complaint to the FOS, but I suspect they will not find in your favour.
How did you find that particular policy?