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As if it wasn’t bad enough that Payment Protection Insurance (PPI) providers and sellers bundled it in with loans when it wasn’t either asked for, needed, wanted or known about. But now we hear of providers refusing to pay out to those who actually wanted it. Needless to say, this refusal has led to many consumers making PPI claims against their lenders but why wouldn’t they payout in the first-place?

Many providers refused to allow their customers use of PPI because they were in breach of the terms and conditions of the cover. The reasons for customers being in breach included the age of the individual, employment type or maybe an ongoing illness that wasn’t mentioned at the start of the policy. The thing is, these breaches occured because sales staff either didn’t ask the right questions when discussing the cover or quite simply, apart from to get a yes or no – they didn’t discuss it at all.

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