Thank you both for your quick responses. Verso's letter states this is their final response as their PPI policy was not sold by them but by the broker. The letter also states that the FOS may not investigate as the event which occurred before October 2004. In terms of making a PPI complaint/claim who would be responsible? Is it the broker, whether trading or not, Verso as the original underwriter or Legal & General for taking over the administration of the policy? I know at least two of them deny any responsibility.

Hi, I was wondering if someone could offer some advice. My partner took out a mortgage with Verso in 1999 and was advised by the broker (no longer trading) to take out a Payment Protection Policy(monthly), also with Verso(two separate Direct Debits). She continued with this until Nov 2007 when Verso handed the policy onto Legal & General. She continued to pay this until 2015. I have written to Legal & General who have stated as "Verso arranged the policy and L&G acted on their instructions they cannot proceed with a complaint". When I contacted Verso they state they "have no responsibility or liability for the sales or advice process given by the broker". I have the policy details for Legal & General but only have bank statements showing the direct debits to Verso. I'm not sure of the next step, if there is one. Any help much appreciated.