I am getting stressed as a result of all the ‘phonecalls I get several times a day on both my home ‘phone and my office ‘phone encouraging me, or almost ordering me, to try to get compensation for having been mis-sold Premium Protection Insurance. Most of these are automated calls so it is impossible to talk to anyone or ask any questions. I have tried following their advice and pressing 9 to instruct them not to call again. The effect of that makes the Government’s economic recovery programme look highly successful by comparison. It would be so easy just to give in and let them make a claim on my behalf, even if I don’t really think I was a victim of mis-selling.

When I do get a call like this from a real person, it’s not much better.  Their English is usually so poor that not only do I have a lot of trouble understanding them, but they also have trouble understanding me, unlike the majority of Asians and East Europeans I have met in Warrington.  So I still can’t ask questions and get answers. Such as…
Aren’t my banking records confidential? These callers always seem to find it especially hard to understand when I ask how they know I was mis-sold, or even sold, PPI anyway. In fact I don’t see how they can know I ever had a loan or mortgage to insure, unless they have access to my financial history.  Most people, including myself, would find reading that a very boring and rather depressing experience.
One reason that this bugs me so much is that I have gone to a lot of trouble to register JHM Claims with the Information Controller’s Office, and have had to study and apply the Data Protection Act so carefully. By the way, I really have, so you can be sure I won’t share any of your data with anyone, if you become a client, except where there is a genuine need to know, such as an insurance company or solicitor involved in your claim. Even then, I will let you know.
The other thing I find strange about all this is the way it seems to be accepted that everyone who has ever had a PPI policy must have been mis-sold it.  Some probably were, but some people, who must have been old enough and sane enough to take out a loan, must have actually needed such a policy, and got some benefit from the cover. Surely they could have asked questions if they were not sure about anything or could have walked away if they felt unhappy with what they were told.
Am I defending bad behaviour by the financial institutions? No! Please don’t get me wrong.  I think banks, insurance companies and anyone, even claims handlers, should be held to account for their selling and marketing practices, but I am concerned that what is happening now is not good. Two wrongs never added up to one right and they still don’t!
Well, if this keeps up, perhaps I can bring a claim for stress!