A review by the Citizens Advice Bureaux (CAB), printed in September 2005 found that 85 per cent of those people that had attempted to use their PPI policy had been unsuccessful and had their own request terminated. Although possibly not common or representative of the larger picture the CAB findings make salutary studying.Individuals hoping to make PPI claims may well discover the following examples useful in help with assessing the suitability of cover and the hazards of either deliberate or unintentional non-compliance with the small print!Mrs T from London stated that she was encouraged to take out insurance when she took out a loan. When she hesitated over this the ‘helpful’ consultant proposed it would certainly be a good concept ‘just in case’. At this point she is expecting and unsurprisingly, is certainly not protected for maternity leave.Mrs V from Essex made her personal loan cover claim following being made redundant from her nicely paid employment having made payments for 3 years. She duly signed on with the Job centre as a condition of her insurance plan although she believed it impractical that she would likely find a job as nicely paid as her previous position. This turned out to be the situation and following three months her Job centre consultant insisted she take a placement as a Filing Clerk. Mrs V regarded this type of employment intolerable and unsurprisingly ceased visiting the job centre and was as a result unable to pursue her claim.Mr S from Eastbourne and also his wife had mortgage loan insurance policies on a £200,000 loan. Mr S lost his occupation but was not capable to qualify for Job seekers allowance because his assets were way too high. Having payed off £60 each month for safety which didn’t materialise, Mr S stated he felt conned.A self-employed gentleman from London was careful to tick the right boxes, study a PPI compensation guide and show due diligence in doing his very best to ensure he met the requirements for cover. When brand-new employment dried up for him he tried to make a claim, only to be informed he would have to announce himself bankrupt before he would meet the criteria. Mr T took out a mortgage in 1989 and his broker organized PPI with the lender for him as a self-employed partner in business. Mr T specifically asked if he would be covered as a self-employed person and was advised indeed. The business were unable, he tried using to make a claim but was told the small print expressed it just protected people who were declaring lack of employment benefit.