Mortgage PPI Reclaim

[TibetanMonk]

Re: Mortgage PPI Reclaim

Not a problem, because whoever taken it over would or should have taken over all the responsibilities and liabilities

Good news. I'll speak to her when I finish work and update as per.

[di30]

Re: Mortgage PPI Reclaim

Not a problem, because whoever taken it over would or should have taken over all the responsibilities and liabilities

[TibetanMonk]

Re: Mortgage PPI Reclaim

When you mum tried to make a claim for her reasons at the time such, was this directly to Nationwide then she had done this with?

I would try to find out for sure on this if you can, do you still have a Nationwide in your local town?

We do have a Nationwide in our local town I bank with them. I'll find out if she made a claim with them or the previous owners.

If it was the latter, would this mean that shes unable to make a claim now?

[di30]

Re: Mortgage PPI Reclaim

When you mum tried to make a claim for her reasons at the time such, was this directly to Nationwide then she had done this with?

I would try to find out for sure on this if you can, do you still have a Nationwide in your local town?

[Ianm]

Re: Mortgage PPI Reclaim

Okay, so mum has come back to me and said she cant remember what the name of the company was, it was a building society which was then bought out by Nationwide? So not sure who that'd be? x

It may have been Derbyshire Home Loans/Building Society, they were bought by Nationwide but administered in Skipton, North Yorkshire.

[TibetanMonk]

Re: Mortgage PPI Reclaim

Yes of course!
and your mum deserves it x

Okay, so mum has come back to me and said she cant remember what the name of the company was, it was a building society which was then bought out by Nationwide? So not sure who that'd be? x

[di30]

Re: Mortgage PPI Reclaim

Awesome, I'll find out all the information. Would it be at all possible for you to proof-read my response prior to me sending it?

Want to make sure mum gets the most she can out of this.

Yes of course!
and your mum deserves it x

[TibetanMonk]

Re: Mortgage PPI Reclaim

I think there are strong reasons there for a reclaim.

I would write to them and state that you have recently became aware of the mis selling of PPI, where you came to realise you (mum) has valid reasons to raise to this matter, explain what happened as above and that you want a refund of all premiums paid, plus relevant interest. I would also say that you would have raised this up earlier if you were aware then of the mis selling scandals. (in case it gives them the excuse to come back and say, "why didnt you raise this up with them before?"
They have 8 weeks from receiving the letter to making the final decision, but should acknowledge the complaint within a week maybe 2.

I can find out the providers own procedures of making a complaint once I know, as they can differ from one business to the other, where they may also provide their own complaint forms etc...
So as soon as you do have the details of them, let me know and I shall check this out for you x

Awesome, I'll find out all the information. Would it be at all possible for you to proof-read my response prior to me sending it?

Want to make sure mum gets the most she can out of this.

[di30]

Re: Mortgage PPI Reclaim

I think there are strong reasons there for a reclaim.

I would write to them and state that you have recently became aware of the mis selling of PPI, where you came to realise you (mum) has valid reasons to raise to this matter, explain what happened as above and that you want a refund of all premiums paid, plus relevant interest. I would also say that you would have raised this up earlier if you were aware then of the mis selling scandals. (in case it gives them the excuse to come back and say, "why didnt you raise this up with them before?"
They have 8 weeks from receiving the letter to making the final decision, but should acknowledge the complaint within a week maybe 2.

I can find out the providers own procedures of making a complaint once I know, as they can differ from one business to the other, where they may also provide their own complaint forms etc...
So as soon as you do have the details of them, let me know and I shall check this out for you x

[di30]

Re: Mortgage PPI Reclaim

Thank you for posting this

Please can you tell me the name of the provider who applied the ppi?

I can then go from there, thanks and its worth a shot.......

[TibetanMonk]

Hi All

My mum and dad had PPI on their mortgage, and when she was made redundant she was refused a payout because she wasn't the main holder of the policy. (My dad had left by this point, and he was quite elusive, even a private investigator couldn't find him)

She was also miss-sold this policy because she wasnt told that when she first took it out. (This would have been 1995/6)

I appreciate its an old one but not sure if still able to reclaim or not.

Thanks,

TM