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‘Knee-op woman was told to buy PPI on loan’

A Halifax client claims she was told she should take out payment protection insurance on a loan when she went into a branch on crutches while off work.

The 43-year-old hospital worker, who had a major knee operation, says she went into her local Halifax branch to apply for a loan when her wages dropped by 50 per cent after being off work for six months.

Despite already being off work and her medical condition not being covered under the policy, she claims she was told that she needed to take out the policy.

The woman says: “I felt quite desperate because of my situation and did not see any other choice but to agree. The adviser did not say that pre-existing medical conditions were not covered by the insurance, even though I explained my circumstances. The person I spoke to seemed more interested in promoting the bank’s various accounts than anything else.”

Brunel Franklin managing director Sally Bower says: “For a customer to walk into a bank on crutches with a chronic medical condition and still be sold PPI beggars belief.”

A Halifax spokeswoman says: “The approval of loans is not directly linked to a customer taking out or purchasing PPI. Any such allegations of misselling are investigated as a matter of urgency.”

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