Questions of Cash: PPI compensation claim and the cheque I couldn't cash

 

Q. I'm writing about the compensation scheme at the insurer CPP [for the mis-selling of payment protection insurance]. My husband was sold a policy in 2004. He died in May 2013 and in August last year a letter came from CPP explaining that he may be eligible for compensation for mis-selling.

I informed CPP of his death and pointed out that the policy was held jointly. I sent my husband's death certificate and documents proving my identity. Eventually I was told by letter that, if eligible, I would receive a cheque in six to eight weeks. A letter then came addressed to me, but enclosing a cheque payable only to my husband. I had closed his bank account in May 2013. My bank will not accept the cheque.

I spoke to CPP again, saying I was unable to pay the cheque into my account. I was told by a supervisor that I would have to wait a further six to eight weeks for a cheque to be reissued. I have now received a letter from the joint administrator of the compensation scheme saying the reissuing of the cheque could take another eight weeks on top. He adds that this is their final letter in relation to my complaint and says he hopes I am satisfied with the way the matter has been handled! I don't feel I should have to go through such a tortuous process to obtain compensation to which I am entitled. I am 81 and have been left feeling exhausted and frustrated. MA, Somerset.

A. CPP apologises for what it accepts was poor and insensitive handling of this matter. You should have now received its cheque in full payment of the claim. Helen Spivey, CPP's head of investor and corporate relations, said: "The scheme process includes the opportunity ... to claim on behalf of a customer who has passed away. Our priority is to manage claims in these circumstances with empathy, and we appreciate that this is a very sensitive matter and sincerely apologise for any distress to [the reader] as a result of her claim on behalf of her late husband. "

Washing machine row on a non-stop cycle

Q. We bought a washing machine from ISE Ltd in April 2009. The price included a five-year warranty to cover all repairs and parts, and during that time the machine was repaired a few times by our local engineer at no cost.

At the start of April, though, with just a few weeks to run on the warranty, it was clear there was a serious problem. Our usual engineer is not working at present but ISE arranged for another firm to come out. It did an initial repair under the warranty but told us there were further problems requiring extra work. It referred back to ISE, which wrote to inform us that it would not arrange the repairs under the warranty. It blamed this decision on its insurer and sent us a £70 cheque to settle. We obtained a quote for the repair of £177, plus VAT and parts.

We wrote to ISE returning its cheque and stating that we had a binding legal contract with it, not its insurer, which says that the warranty covers repairs and parts. ISE has restated its position. KC, West Yorkshire.

A. Kenneth Watt of ISE said the warranty "was sold and clearly shown as being an insurance-backed warranty, rather than a manufacturer warranty". As such, approval for any claim is decided by the insurer. Under the terms of your purchase agreement, he said, you were only due a £7.50 repayment as it was one month short of being out of warranty. Any further compensation should be sought from the retailer, which should have properly explained the warranty, said Mr Watt. But your understanding was that ISE sold the product and you are convinced the warranty does apply. We suggest you refer this to the Financial Ombudsman.

Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk

Voices
An easy-peel potato; Dave Hax has come up with an ingenious method in food preparation
voicesDave Hax's domestic tips are reminiscent of George Orwell's tea routine. The world might need revolution, but we like to sweat the small stuff, says DJ Taylor
News
i100
Arts and Entertainment
Jay Z has placed a bet on streaming being the future for music and videos
music
Arts and Entertainment
Festival-goers soak up the atmosphere at Glastonbury
music
News
Japan's population is projected to fall dramatically in the next 50 years (Wikimedia)
news
Finacial products from our partners
Property search
  • Get to the point
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    SThree: Trainee Recruitment Consultant

    £20000 - £25000 per annum + OTE £45,000: SThree: SThree Group have been well e...

    Ashdown Group: IT Manager / Development Manager - NW London - £58k + 15% bonus

    £50000 - £667000 per annum + excellent benefits : Ashdown Group: IT Manager / ...

    Recruitment Genius: Sales Consultant / Telemarketer - OTE £20,000

    £13000 - £20000 per annum: Recruitment Genius: Scotland's leading life insuran...

    Ashdown Group: Training Programme Manager - City, London

    £40000 - £45000 per annum + benefits : Ashdown Group: Training Programme Manag...

    Day In a Page

    NHS struggling to monitor the safety and efficacy of its services outsourced to private providers

    Who's monitoring the outsourced NHS services?

    A report finds that private firms are not being properly assessed for their quality of care
    Zac Goldsmith: 'I'll trigger a by-election over Heathrow'

    Zac Goldsmith: 'I'll trigger a by-election over Heathrow'

    The Tory MP said he did not want to stand again unless his party's manifesto ruled out a third runway. But he's doing so. Watch this space
    How do Greek voters feel about Syriza's backtracking on its anti-austerity pledge?

    How do Greeks feel about Syriza?

    Five voters from different backgrounds tell us what they expect from Syriza's charismatic leader Alexis Tsipras
    From Iraq to Libya and Syria: The wars that come back to haunt us

    The wars that come back to haunt us

    David Cameron should not escape blame for his role in conflicts that are still raging, argues Patrick Cockburn
    Sam Baker and Lauren Laverne: Too busy to surf? Head to The Pool

    Too busy to surf? Head to The Pool

    A new website is trying to declutter the internet to help busy women. Holly Williams meets the founders
    Heston Blumenthal to cook up a spice odyssey for British astronaut manning the International Space Station

    UK's Major Tum to blast off on a spice odyssey

    Nothing but the best for British astronaut as chef Heston Blumenthal cooks up his rations
    John Harrison's 'longitude' clock sets new record - 300 years on

    ‘Longitude’ clock sets new record - 300 years on

    Greenwich horologists celebrate as it keeps to within a second of real time over a 100-day test
    Fears in the US of being outgunned in the vital propaganda wars by Russia, China - and even Isis - have prompted a rethink on overseas broadcasters

    Let the propaganda wars begin - again

    'Accurate, objective, comprehensive': that was Voice of America's creed, but now its masters want it to promote US policy, reports Rupert Cornwell
    Why Japan's incredible long-distance runners will never win the London Marathon

    Japan's incredible long-distance runners

    Every year, Japanese long-distance runners post some of the world's fastest times – yet, come next weekend, not a single elite competitor from the country will be at the London Marathon
    Why does Tom Drury remain the greatest writer you've never heard of?

    Tom Drury: The quiet American

    His debut was considered one of the finest novels of the past 50 years, and he is every bit the equal of his contemporaries, Jonathan Franzen, Dave Eggers and David Foster Wallace
    You should judge a person by how they peel a potato

    You should judge a person by how they peel a potato

    Dave Hax's domestic tips are reminiscent of George Orwell's tea routine. The world might need revolution, but we like to sweat the small stuff, says DJ Taylor
    Beige is back: The drab car colours of the 1970s are proving popular again

    Beige to the future

    Flares and flounce are back on catwalks but a revival in ’70s car paintjobs was a stack-heeled step too far – until now
    Bill Granger recipes: Our chef's dishes highlight the delicate essence of fresh cheeses

    Bill Granger cooks with fresh cheeses

    More delicate on the palate, milder, fresh cheeses can also be kinder to the waistline
    Aston Villa vs Liverpool: 'This FA Cup run has been wonderful,' says veteran Shay Given

    Shay Given: 'This FA Cup run has been wonderful'

    The Villa keeper has been overlooked for a long time and has unhappy memories of the national stadium – but he is savouring his chance to play at Wembley
    Timeless drama of Championship race in league of its own - Michael Calvin

    Michael Calvin's Last Word

    Timeless drama of Championship race in league of its own