Mothercare PPI was added to some customers’ loans without their knowledge. Other borrowers say that Mothercare told them their loan, mortgage or credit application may not be approved if they didn’t have Mothercare PPI. This resulted in borrowers taking out Mothercare PPI to avoid losing the deal, regardless of if they needed the policy or not.
If you unaware Mothercare had added PPI to your agreement, it was done without your consent. Alternatively it could have been an opt-out box that wasn’t clearly visible.
Mothercare should have explained all costings relating to the PPI. This will be a major mis-selling factor if it wasn’t done.
If Mothercare didn’t explain that you would have a period of no protection during the term of the finance agreement, your Mothercare PPI policy was mis-sold to you.