http://pastingtable.com/good-con/
Good Con
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| Rolex Day Date 18038 Presidential 18K Yellow Gold Original Diamond Dial Good Con | |
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$11,500.00 End Date: Thursday Jun-14-2012 8:46:32 PDT Buy It Now for only: $11,500.00 Buy It Now | Add to watch list |
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$2,500.00 End Date: Wednesday May-30-2012 19:45:23 PDT Buy It Now for only: $2,500.00 Buy It Now | Add to watch list |
| FERRARI 360 REAR UPPER LOWER CONTROL ARM AND NUCKLE FITS L OR R SIDE GOOD CON | |
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$1,500.00 End Date: Monday May-28-2012 17:15:39 PDT Buy It Now for only: $1,500.00 Buy It Now | Add to watch list |
| QUNTAS LARGE TRAVEL AGENCY AIRLINE MODEL 747 B GOOD CON | |
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$750.00 End Date: Sunday Jun-17-2012 18:16:44 PDT Buy It Now for only: $750.00 Buy It Now | Add to watch list |
| The Imperial Dictionary of the English Language 1896 Full Set Very Good Con | |
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$648.09 End Date: Tuesday Jun-12-2012 10:17:59 PDT Buy It Now for only: $648.09 Buy It Now | Add to watch list |
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$599.99 End Date: Saturday Jun-16-2012 15:28:19 PDT Buy It Now for only: $599.99 Buy It Now | Add to watch list |
| WILLS UNTITLED DOUBLE MEANINGS FULL SET OF 50 CIGARETTE CARDS 1898 GOOD CON | |
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$553.25 End Date: Saturday Jun-2-2012 4:26:16 PDT Buy It Now for only: $553.25 Buy It Now | Add to watch list |
| YAMAHA SAX MODEL YAS 23 W CASE GOOD CON GREAT SOUND GREAT PADS SHIPS FAST | |
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$499.00 End Date: Tuesday May-22-2012 19:22:37 PDT Buy It Now for only: $649.00 Buy It Now | Bid now | Add to watch list |
| VINTAGE CHROMED IVALITE SPOTLIGHT N VERY GOOD CON 4 AGE | |
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$350.00 End Date: Friday May-25-2012 10:37:22 PDT Buy It Now for only: $350.00 Buy It Now | Add to watch list |
| Dodge Flexidyne Fluid Coupling Size 3030 Good Used Con | |
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$400.00 End Date: Wednesday Jun-13-2012 13:15:22 PDT Buy It Now for only: $400.00 Buy It Now | Add to watch list |
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$383.19 End Date: Friday Jun-8-2012 5:49:46 PDT Buy It Now for only: $383.19 Buy It Now | Add to watch list |
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$385.00 End Date: Saturday May-19-2012 15:00:11 PDT Bid now | Add to watch list |
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$363.00 (12 Bids) End Date: Saturday May-19-2012 8:39:07 PDT Bid now | Add to watch list |
| Audi A3S3RS3 Steering Wheel AirbagGood Con3 SpokeBlackSilver Trim | |
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$314.56 End Date: Wednesday Jun-6-2012 13:32:18 PDT Buy It Now for only: $314.56 Buy It Now | Add to watch list |
| Audi A3A4A5Q5Q7 Steering Wheel AirbagGood Con4 SpokeBlackSilver Trim | |
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$282.95 End Date: Sunday Jun-3-2012 5:55:24 PDT Buy It Now for only: $282.95 Buy It Now | Add to watch list |
| Good Governance in the Era of Global Neoliberalism Con | |
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$328.77 End Date: Friday Jun-1-2012 19:09:21 PDT Buy It Now for only: $328.77 Buy It Now | Add to watch list |
| 2 INCH GERMAN 4 JAW CHUCK FOR WATCHMAKERS 8MM VERY GOOD CON | |
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$325.00 End Date: Monday Jun-11-2012 18:10:12 PDT Buy It Now for only: $325.00 Buy It Now | Add to watch list |
| Good Governance in the Era of Global Neoliberalism Con | |
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$313.00 End Date: Saturday May-19-2012 13:52:20 PDT Buy It Now for only: $313.00 Buy It Now | Add to watch list |
| Contemplative Prayer for Today Christian Meditation Ernest E Larkin Good Con | |
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$294.54 End Date: Saturday May-26-2012 8:52:17 PDT Buy It Now for only: $294.54 Buy It Now | Add to watch list |
| VINTAGE AM CO COMPOSITION MADAME HENDSAN DOLL 19 USA MADE 1918 VERY GOOD CON | |
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$243.75 End Date: Sunday May-27-2012 18:04:32 PDT Buy It Now for only: $243.75 Buy It Now | Add to watch list |
| Gefran 1000 R0 2H 0 1 CON Temperature Controller Good Condition | |
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$257.40 End Date: Saturday Jun-9-2012 8:53:30 PDT Buy It Now for only: $257.40 Buy It Now | Add to watch list |
| GOOD Con 36mm ORIS Big Crown Pointer Date black dial SS automatic bracelet watch | |
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$234.23 (22 Bids) End Date: Tuesday May-22-2012 9:44:25 PDT Bid now | Add to watch list |
| Bimba con Gallina Be Good Chicks Armani 1143P complete signed perfect rare | |
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$235.00 End Date: Wednesday Jun-6-2012 13:02:37 PDT Buy It Now for only: $235.00 Buy It Now | Add to watch list |
| YEW YOKOGAWA 3235 Earth Tester 30V 1000 Ohms Used in Good Con | |
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$147.96 End Date: Wednesday May-23-2012 22:46:34 PDT Buy It Now for only: $147.96 Buy It Now | Add to watch list |
| Mercedes W123 E CLASS ESTATE BEIGE CARPET MATS GOOD CON | |
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$86.94 End Date: Wednesday May-30-2012 5:54:54 PDT Buy It Now for only: $86.94 Buy It Now | Add to watch list |
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$197.19 End Date: Sunday May-27-2012 6:30:13 PDT Buy It Now for only: $197.19 Buy It Now | Add to watch list |
| The Life And Letters Of Lord Macaulay New Edition Printed 1881 V Good Con | |
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$158.05 End Date: Wednesday Jun-6-2012 12:46:04 PDT Buy It Now for only: $158.05 Buy It Now | Add to watch list |
| VAN CLEEF ARPELS FIRST VINTAGE PURE PARFUM 75ml 80s 90s UNTOUCHED GOOD CON | |
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$173.88 End Date: Monday Jun-11-2012 17:28:25 PDT Buy It Now for only: $173.88 Buy It Now | Add to watch list |
| VERY GOOD Con Longines La Grande Gold P SS quartz women dressing watch L42092 | |
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$170.50 (21 Bids) End Date: Saturday May-19-2012 8:03:31 PDT Bid now | Add to watch list |
| Operators and things The inner life of a schizophrenicBarbara OBrienGood Con | |
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$175.44 End Date: Saturday Jun-2-2012 10:03:09 PDT Buy It Now for only: $175.44 Buy It Now | Add to watch list |
| TAYLORMADE BURNER SUPERFAST TP 20 105 DRIVER REGULAR Ozik X Con 5 VERY GOOD | |
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$169.99 End Date: Thursday Jun-7-2012 20:15:41 PDT Buy It Now for only: $169.99 Buy It Now | Add to watch list |
| Dizionario Italiano Con Sinonimi e Contrari Good Book | |
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$160.46 End Date: Sunday May-27-2012 7:14:26 PDT Buy It Now for only: $160.46 Buy It Now | Add to watch list |
| Churchs Light Tan Loafers 11 F UK 115 46 Con Very Good | |
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$142.25 End Date: Saturday Jun-2-2012 3:02:12 PDT Buy It Now for only: $142.25 Buy It Now | Add to watch list |
| Dizionario Italiano Con Sinonimi e Contrari Good Book | |
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$156.20 End Date: Saturday Jun-9-2012 1:13:13 PDT Buy It Now for only: $156.20 Buy It Now | Add to watch list |
| 1979 Honda ATC 110 Inner Stator Cover w Stator Good Con | |
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$150.00 End Date: Friday Jun-1-2012 17:29:04 PDT Buy It Now for only: $150.00 Buy It Now | Add to watch list |
| COACHES COACHING DAYS DOMINION FULL SET OF 50 CIGARETTE CARDS 1927 GOOD CON | |
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$142.26 End Date: Friday Jun-8-2012 9:45:23 PDT Buy It Now for only: $142.26 Buy It Now | Add to watch list |
| TAYLORMADE BURNER SUPERFAST TP 20 105 DRIVER REGULAR Ozik X Con 5 VERY GOOD | |
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$144.98 End Date: Sunday May-20-2012 15:13:45 PDT Bid now | Add to watch list |
| TAYLORMADE GOLF BURNER SUPERFAST TP 20 105 DRIVER X CON 5 STIFF VERY GOOD | |
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$144.98 End Date: Monday May-21-2012 20:40:19 PDT Buy It Now for only: $169.99 Buy It Now | Bid now | Add to watch list |
| VERY GOOD Con JUMBO SWISS Louis Erard black dial auto date day SS dressing watch | |
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$108.50 (11 Bids) End Date: Monday May-21-2012 9:02:26 PDT Bid now | Add to watch list |
| 2006 SunL 200CC Enduro China Cylinder w Piston Good Con | |
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$130.00 End Date: Tuesday Jun-5-2012 19:31:44 PDT Buy It Now for only: $130.00 Buy It Now | Add to watch list |
| WINTER SPORTS LAMBERT BUTLER CIGARETTE CARDS FULL SET OF 25 1914 VERY GOOD CON | |
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$126.46 End Date: Friday Jun-1-2012 10:17:54 PDT Buy It Now for only: $126.46 Buy It Now | Add to watch list |
| DOG SET BY EDWARDS RINGER BIGG 1908 CIGARETTE CARDS FULL SET OF 23 V GOOD CON | |
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$126.46 End Date: Wednesday May-30-2012 4:13:45 PDT Buy It Now for only: $126.46 Buy It Now | Add to watch list |
| LH TAYLORMADE GOLF BURNER SUPERFAST 20 105 DRIVER SENIOR X Con 48 VERY GOOD | |
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$129.99 End Date: Tuesday Jun-5-2012 20:49:10 PDT Buy It Now for only: $129.99 Buy It Now | Add to watch list |
| TAYLORMADE BURNER SUPERFAST 20 105 DRIVER LADIES Ozik X Con 48 VERY GOOD | |
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$129.99 End Date: Monday Jun-11-2012 16:58:09 PDT Buy It Now for only: $129.99 Buy It Now | Add to watch list |
| TAYLORMADE GOLF BURNER SUPERFAST 20 95 DRIVER STIFF Ozik X Con 48 VERY GOOD | |
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$129.99 End Date: Friday Jun-15-2012 20:04:33 PDT Buy It Now for only: $129.99 Buy It Now | Add to watch list |
| 1926 PAN AMERICAN SAXOPHONE MAD BY CON W CASE GOOD TONE | |
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$120.00 End Date: Tuesday May-22-2012 11:00:01 PDT Bid now | Add to watch list |
| Tony Lama COWBOY BOOTS 10 1 2 D GOOD USED CON MENS COWBOY BOOTS | |
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$125.00 End Date: Sunday Jun-17-2012 17:41:02 PDT Buy It Now for only: $125.00 Buy It Now | Add to watch list |
| Tony Lama COWBOY BOOTS 10 1 2 EE GOOD USED CON MENS COWBOY BOOTS | |
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$125.00 End Date: Sunday Jun-17-2012 17:47:17 PDT Buy It Now for only: $125.00 Buy It Now | Add to watch list |
| RACING GREYHOUNDS BY FORECASTA FULL SET OF 25 TRADE CIGARETTE CARDS V GOOD CON | |
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$118.55 End Date: Friday Jun-8-2012 4:21:13 PDT Buy It Now for only: $118.55 Buy It Now | Add to watch list |
| Con Cor 9 Car Santa Fe Silver Vista Dome Pass N Set | |
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$122.10 End Date: Thursday Jun-7-2012 12:38:02 PDT Buy It Now for only: $122.10 Buy It Now | Add to watch list |
| FILM STARS FULL SET OF 50 CIGARETTE CARDS GODFREY PHILLIPS 1934 VERY GOOD CON | |
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$118.55 End Date: Wednesday Jun-6-2012 9:40:53 PDT Buy It Now for only: $118.55 Buy It Now | Add to watch list |
| 1978 20 RIM AND TIRE SET FROM A SCHWINN BICYCLE WALD HUB BENDIX GOOD CON | |
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$108.00 End Date: Thursday May-24-2012 18:53:44 PDT Buy It Now for only: $120.00 Buy It Now | Bid now | Add to watch list |
| Energy Stability and Convection Research Notes in Mathematics Series Good Con | |
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$119.80 End Date: Friday May-25-2012 7:57:00 PDT Buy It Now for only: $119.80 Buy It Now | Add to watch list |
| DRIRIDER Ladies Motorbike Jacket Jewel Black W Pink Trim RRP 299 Sz 10 Good Con | |
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$98.63 End Date: Wednesday May-23-2012 20:00:13 PDT Buy It Now for only: $147.95 Buy It Now | Bid now | Add to watch list |
| MUSICAL INSTRUMENTS 1934 SET OF 25 CIGARETTE CARDS CHURCHMAN V GOOD CON | |
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$102.75 End Date: Wednesday May-23-2012 8:22:36 PDT Buy It Now for only: $102.75 Buy It Now | Add to watch list |
| CHAMPION DOGS J SINCLAIR CIGARETTE CARDS FULL SET OF 54 1938 VERY GOOD CON | |
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$102.75 End Date: Thursday May-31-2012 5:23:24 PDT Buy It Now for only: $102.75 Buy It Now | Add to watch list |
| The big con The death of the Kiwi dream Gordon McLauchlan Good Book | |
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$105.02 End Date: Wednesday May-23-2012 4:52:19 PDT Buy It Now for only: $105.02 Buy It Now | Add to watch list |
| Alfa Romeo 147 156 Air Con Heater Control Servo Motors in Good Condition | |
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$20.53 End Date: Tuesday May-29-2012 0:11:27 PDT Buy It Now for only: $20.53 Buy It Now | Add to watch list |
| Vintage 18 R B Nancy Lee Arranbee Doll Very Good Con | |
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$99.00 End Date: Sunday Jun-17-2012 8:30:39 PDT Buy It Now for only: $99.00 Buy It Now | Add to watch list |
| DOGS BY WARDLE JOHN PLAYERS FULL SET OF 25 CIGARETTE CARDS 1933 V GOOD CON | |
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$94.84 End Date: Saturday Jun-2-2012 5:26:55 PDT Buy It Now for only: $94.84 Buy It Now | Add to watch list |
| TAYLORMADE BURNER SUPERFAST 20 105 DRIVER LADIES Ozik X Con 48 VERY GOOD | |
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$99.98 End Date: Monday May-21-2012 15:28:12 PDT Buy It Now for only: $129.99 Buy It Now | Bid now | Add to watch list |
| Harley Davidson Sportster OEM Chrome Shocks 12 1 2 GOOD USED CON MULTI FIT | |
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$95.99 End Date: Thursday May-24-2012 21:57:17 PDT Buy It Now for only: $95.99 Buy It Now | Add to watch list |
| LH LADIES TAYLORMADE BURNER SUPERFAST 20 18 5 WOOD Ozik X Con 48 VERY GOOD | |
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$94.99 End Date: Tuesday Jun-5-2012 20:37:24 PDT Buy It Now for only: $94.99 Buy It Now | Add to watch list |
| LH TAYLORMADE BURNER SUPERFAST 20 18 5 WOOD REGULAR Ozik X Con 48 VERY GOOD | |
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$94.99 End Date: Thursday Jun-7-2012 20:22:33 PDT Buy It Now for only: $94.99 Buy It Now | Add to watch list |
| TAYLORMADE BURNER SUPERFAST 20 165 4 WOOD STF Matrix Ozik X Con 48 VERY GOOD | |
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$94.99 End Date: Thursday Jun-7-2012 20:28:24 PDT Buy It Now for only: $94.99 Buy It Now | Add to watch list |
| LADIES TAYLORMADE GOLF BURNER SUPERFAST 20 21 7 WOOD Ozik X Con 48 VERY GOOD | |
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$94.99 End Date: Thursday Jun-7-2012 20:58:20 PDT Buy It Now for only: $94.99 Buy It Now | Add to watch list |
| LH TAYLORMADE BURNER SUPERFAST 20 18 5 WOOD SENIOR Ozik X Con 48 VERY GOOD | |
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$94.99 End Date: Saturday Jun-16-2012 17:58:21 PDT Buy It Now for only: $94.99 Buy It Now | Add to watch list |
| mitsubishi shogun pajero clocks Speedometer With Surround in good con 25td | |
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$79.02 End Date: Sunday May-27-2012 5:18:21 PDT Buy It Now for only: $79.02 Buy It Now | Add to watch list |
| RIDERS OF THE WORLD FULL SET OF 50 CIGARETTE CARDS WILLS 1913 VERY GOOD CON | |
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$86.94 End Date: Wednesday Jun-6-2012 9:53:43 PDT Buy It Now for only: $86.94 Buy It Now | Add to watch list |
| MILITARY MOTORS WILLS FULL SET OF 50 CIGARETTE CARDS 1916 GOOD CON | |
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$86.94 End Date: Friday Jun-8-2012 10:45:42 PDT Buy It Now for only: $86.94 Buy It Now | Add to watch list |
| FIGURES OF SPEECH ARDATH CIGARETTE CARDS FULL SET OF 50 1936 V GOOD CON | |
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$86.94 End Date: Saturday Jun-9-2012 11:25:22 PDT Buy It Now for only: $86.94 Buy It Now | Add to watch list |
| PENZO VERY LARGE OCEAN LIFE PASTA SALAD BOWL BEAUTIFUL BLUE YELLOW NEW GOOD CON | |
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$85.00 End Date: Monday May-21-2012 10:48:50 PDT Bid now | Add to watch list |
| TAYLORMADE GOLF BURNER SUPERFAST 20 95 DRIVER STIFF Ozik X Con 48 VERY GOOD | |
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$89.98 End Date: Sunday May-20-2012 20:40:13 PDT Bid now | Add to watch list |
| Atlas N 2112 american steamer in box Good conMT1504 | |
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$75.70 End Date: Sunday May-27-2012 11:58:03 PDT Buy It Now for only: $75.70 Buy It Now | Add to watch list |
| Leather Jacket Coat Black Con VGood Medium | |
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$79.02 End Date: Sunday Jun-10-2012 8:11:15 PDT Buy It Now for only: $79.02 Buy It Now | Add to watch list |
| Con Cor 7 Car Santa Fe Silver Full Dome Pass N Set | |
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$85.14 End Date: Friday Jun-8-2012 8:25:47 PDT Buy It Now for only: $85.14 Buy It Now | Add to watch list |
| 1969 Roman Gabriel Auto Poster Very Good Con Signed | |
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$89.00 End Date: Friday Jun-1-2012 17:39:38 PDT Buy It Now for only: $89.00 Buy It Now | Add to watch list |
| 1969 Roman Gabriel Auto Poster Very Good Con Signed | |
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$89.00 End Date: Friday Jun-1-2012 17:39:38 PDT Buy It Now for only: $89.00 Buy It Now | Add to watch list |
| 08 01 1949 Bristol City v Chelsea FA Cup Team Changes Item In very good con | |
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$90.72 End Date: Saturday Jun-2-2012 5:40:11 PDT Buy It Now for only: $90.72 Buy It Now | Add to watch list |
| GOOD CONDITION Lot 2 Unlocked BLACKBERRY 8820 Wifi Quad Band Good Con | |
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$90.00 End Date: Saturday May-19-2012 15:06:53 PDT Buy It Now for only: $105.00 Buy It Now | Bid now | Add to watch list |
| GOOD CONDITION Lot 2 Unlocked BLACKBERRY 8820 Wifi Quad Band Good Con | |
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$90.00 End Date: Sunday May-20-2012 18:06:07 PDT Buy It Now for only: $105.00 Buy It Now | Bid now | Add to watch list |
| GOOD CONDITION Lot 2 Unlocked BLACKBERRY 8820 Wifi Quad Band Good Con | |
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$90.00 End Date: Monday May-21-2012 15:02:08 PDT Buy It Now for only: $105.00 Buy It Now | Bid now | Add to watch list |
| GOOD CONDITION Lot 2 Unlocked BLACKBERRY 8820 Wifi Quad Band Good Con | |
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$90.00 End Date: Monday May-21-2012 19:34:48 PDT Buy It Now for only: $105.00 Buy It Now | Bid now | Add to watch list |
| GOOD CONDITION Lot 2 Unlocked BLACKBERRY 8820 Wifi Quad Band Good Con | |
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$90.00 End Date: Wednesday May-23-2012 15:04:01 PDT Buy It Now for only: $105.00 Buy It Now | Bid now | Add to watch list |
| HIGNETT GREETINGS OF THE WORLD 1907 CIGARETTE CARDS FULL SET OF 25 GOOD CON | |
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$79.04 End Date: Wednesday May-30-2012 4:09:39 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| ENGLISH PERIOD COSTUMES WILLS FULL SET OF 25 CIGARETTE CARDS 1927 GOOD CON | |
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$79.04 End Date: Saturday Jun-2-2012 6:26:09 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| CHARACTERS FROM DICKENS FULL SET OF 10 LARGE CIGARETTE CARDS 1914 V GOOD CON | |
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$79.04 End Date: Saturday Jun-2-2012 7:26:44 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| KINGS QUEENS OF ENGLAND JOHN PLAYERS FULL SET OF 50 CIGARETTE CARDS V GOOD CON | |
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$79.04 End Date: Friday Jun-8-2012 13:21:35 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| FAMOUS BOYS GODFREY PHILLIPS CIGARETTE CARDS FULL SET OF 25 1924 V GOOD CON | |
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$79.04 End Date: Saturday Jun-9-2012 9:25:13 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| A SERIES OF 26 ETCHINGS DOGS WILLS CIGARETTE CARDS FULL SET 1926 V GOOD CON | |
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$79.04 End Date: Saturday Jun-9-2012 10:25:57 PDT Buy It Now for only: $79.04 Buy It Now | Add to watch list |
| Sony VGN FE21S 2 664 783 Top Lid Cover Plastic Good Con | |
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$33.18 End Date: Wednesday Jun-6-2012 9:09:35 PDT Buy It Now for only: $33.18 Buy It Now | Add to watch list |
| Atlas N 2185 american steamer in box Good conMT1518 | |
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$69.97 End Date: Monday May-28-2012 4:04:38 PDT Buy It Now for only: $69.97 Buy It Now | Add to watch list |
| JOTTUM FABULOUS FUN 6 PIECE SET 116 122 128 6 7 8 YRS GOOD EXC PRE LOVED CON | |
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$66.26 (18 Bids) End Date: Sunday May-20-2012 7:38:53 PDT Bid now | Add to watch list |
| US 3 NOTES 2OO6 920 VERY GOOD CONMIXED AUC | |
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$88.00 End Date: Sunday Jun-10-2012 19:32:31 PDT Buy It Now for only: $88.00 Buy It Now | Add to watch list |
| 1977 Suzuki RV 125 Dual Sport Front Wheel Hub Good Con | |
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$75.00 End Date: Tuesday May-29-2012 18:06:31 PDT Buy It Now for only: $75.00 Buy It Now | Add to watch list |
| Beyond Good Evil GAMECUBE Wii PAL EX CON MINT DISC | |
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$72.98 End Date: Thursday Jun-7-2012 20:48:12 PDT Buy It Now for only: $72.98 Buy It Now | Add to watch list |
| Harley Davidson Sportster Chrome Shocks 12 1 2 FAIR GOOD USED CON Surface Rust | |
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$75.00 End Date: Sunday May-20-2012 19:37:01 PDT Buy It Now for only: $75.00 Buy It Now | Add to watch list |
| MISTRESS BLANCHE QEEN ELIZABETH 1S CONGOOD Book | |
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$79.65 End Date: Friday Jun-8-2012 6:29:48 PDT Buy It Now for only: $79.65 Buy It Now | Add to watch list |
| VINTAGE SKORTON ARROWS BAG AND ARM GUARD IN VERY GOOD CON | |
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$41.08 (8 Bids) End Date: Monday May-21-2012 6:53:33 PDT Bid now | Add to watch list |
| TREES LARGE WILLS CIGARETTE CARDS FULL SET OF 40 1937 V GOOD CON | |
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$71.13 End Date: Saturday Jun-9-2012 12:25:51 PDT Buy It Now for only: $71.13 Buy It Now | Add to watch list |
Is PPI a Rip Off?
If you’ve ever taken out a loan, mortgage, credit card or store card, or bought something on credit, then chances are you were sold Payment Protection Insurance (PPI) simultaneously. The idea is that PPI covers your debt repayments if you can’t work because you become ill or have an accident or if you are made redundant.
But beware!Most policies won't cover you for conditions such as back pain or stress and if you're on a short-term contract or self-employed, you will not be covered for any redundancy claim. PPI linked to mortgages, credit cards or store cards usually pays out for a limited time only. On some credit card PPI, the insurance only covers the minimum monthly payment, meaning your balance may never reduce! Most PPI policies only last for five years, so if your loan or finance agreement term lasts for longer than this, you'll still be paying interest on insurance that has long since expired! That’s like paying for office insurance even though you moved out and are no longer working there.
Aside from being ineffective, PPI is also expensive!Adding PPI to a £7,500 loan over five years could cost an additional £2000-£3000. According to a recent Citizens Advice Bureau survey, Payment Protection Insurance can add 20% or more to the cost of your credit agreement and since it’s estimated that there are over 20 million PPI policies in force throughout the UK, that’s generating almost £5 billion worth of premium income for the insurers!
That CAB survey also found that 85% of people who had attempted to claim on their policies had been refused. Worse still, in June 2008, the Competition Commission found that average insurance payout ratios were: Car Insurance: 78%, Home Insurance: 54%, Mortgage PPI: barely 28%, Personal Loan PPI: a depressing 15% and Credit Card PPI: a miserable 11%!
So how can you tell if you’ve been mis-sold a PPI plan and what can you do about it? The main difference between sales before and after regulation is that all sales before regulation were 'non-advised' because the 'advised' regime didn't come in until regulation was introduced.
But if you were sold PPI before 14th January 2005, most firms or advisers would be still covered by a code of practice set by the Association of British Insurers (ABI), the General insurance Standards Council (GISC) or the Finance and Leasing Association (FLA).All three codes of practice required advisers to provide information at the time the insurance was taken out to help you decide if the policy was suitable for you Even then, advisers and firms had to cover the same points as they must cover today according to the current rules.
There’s a good chance you were indeed mis-sold (and can therefore recover your hard earned cash) if you can answer ‘NO’ to one or more of these questions:
• If the insurance was optional, was that made clear to you?
• Did the adviser infrom you of any significant exclusions under the policy (like pre-existing medical conditions) ?
• Did the adviser make it clear that you would have to pay for the insurance up front in one single payment and did you know you would be paying interest on it?
• If your loan or finance agreement was for longer than five years, did the adviser tell you that the insurance would run out before you had finished paying for your loan or finance agreement?
• Did the adviser tell you that you would continue to pay interest on the insurance premium, even after the insurance had expired?
Make sure you always consult experts before you take out any form of personal or businesses insurance.