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If you were on contract at the time that you took out the loan, then you should be able to make a case that BOI mis-sold you the payment protection. They shouldn't have offered you (and charged you for) the protection that you could never claim against. This may allow you to reduce the total amount owed to BOI.clare said:I have a loan with BOI. I had payment protection on it. My job contract came to an end. I found out payment protection didn't cover someone on a contract.
royrogers said:I am surprised that it is a criminal offence to owe money and you could go jail for it - in the uk it is not a criminal office to owe money unless it is to the government or TV licenses. Think of all the people who owes money on credit cards and mortgages surly if they become unemployed or thought illness they cannot make payments does everyone go to jail, if so then they will have to start building more prisons in Ireland.
I agree, but the mis-selling is dependant on the original poster confirming that they were doing contract work at the time of taking out the loan.oysterman said:Could I reinforce Rainyday's excellent point about the payment protection?
On the facts you've outlined, this screams out as a case of mis-selling of this notorious product.
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Fabulous said:If they give it out to a collecting solicitor they bombard you with letters but just ignore them until they take you to court and then the court will decide what you can or can’t pay them.
And then you have to pay their solicitors fees as well - good advice - NOT!Fabulous said:
If they give it out to a collecting solicitor they bombard you with letters but just ignore them until they take you to court and then the court will decide what you can or can’t pay them.
Actually it is good advice, as when they give it to a solicitor they must stop adding interest and fix charges which is a very good thing.wowser said:And then you have to pay their solicitors fees as well - good advice - NOT!
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