mortgage ppi from 1993??

[georgia099]

hi, am new on here and probably in the wrong place but here goes.

 

We have had our mortgage since 1993 not sure if there is some kind of timescale for making a complaint

 

we feel we were missold our protection due to the fact my husband was on full pay for 6 months in the event off sickness or accident.

 

Also we were led to believe that we might not get the mortgage if we didnt take this policy-

 

I actually have this in writing from the britannia.

 

It does state on the letter our right to cancel,

but immediately after that it states in bold capital letters

 

NOTE- THIS PRODUCT MAY BE COMPULSORY WITH YOUR MORTGAGE.

 

Would that have been correct??

 

Thanks in advance

[maroondevo52]

Hello and Welcome georgia099.

 

I have moved this thread to the PPI Forum, hopefuilly you'll get some help shortly.

 

Regfards,

 

Scott.

[dx100uk]

def not correct

 

that sounds like a slam dunk guaranteed reclaim.

 

should be worth £1000's

 

do you know what you have paid per month on PPI?

 

dx

[georgia099]

thanks for replying. Not massive amounts was £12 odd for first 6 years then when we paid chunk off mortgage it went down to 4.27. Been paying that for 13 years but just cancelled it.

[dx100uk]

you'll be surprised!!

 

if you are bring charged monthly interest on the monthly PPI payments

 

then use the foscisheet

 

if it appears you are not

 

then the statint sheet

 

however you need to input EVERY PPI payment, its amount and date.

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

dx

[georgia099]

thanks for that!! will have a go and let you know what it says x

Edited February 17, 2013 by georgia099

[dx100uk]

stay seated when you get the total!

 

dx

[georgia099]

mmmm.. and struggling getting sheet to open

[dx100uk]

got excel?

 

if not download open office

 

dx

[georgia099]

Hi

 

got my brother on the case with regards to the spreadsheet but in the meantime have called britannia

 

to register complaint just to get the ball rolling.

 

The advisor on the phone says that it probably was compulsory as a condition of a possible deal on mortgage!!

 

Dont remember any deal but however she asked me to send copy of this letter as is pre 1999 when they changed their systems

.

What do you think??

[dx100uk]

no such thing as compulsory PPI!!

 

shame you didnt record that call

 

dx

[georgia099]

no such thing as compulsory PPI!!

 

shame you didnt record that call

 

dx

Ok got a response today.

 

Apparently we were introduced by a broker.

So the Britannia didn't advise us; the broker did .

It was Britannic not Britannia that advised us and they say we should take our complaint to them.

 

However it was the mortgage product we are complaining about with the compulsory payment plus so I think it's Britannias responsibility as I believe that although mortgage lenders can actually insist on ppi, they cannot insist iTunes be theirs.

 

Britannia say to direct complaint to Britannic as not their problem.

 

Don't think I'm going to get anywhere with this as was 1993 and I don't have any other records and doubt Britannic will have either from so long ago.

[georgia099]

Ok got a response today.

 

Apparently we were introduced by a broker.

So the Britannia didn't advise us; the broker did .

It was Britannic not Britannia that advised us and they say we should take our complaint to them.

 

However it was the mortgage product we are complaining about with the compulsory payment plus so I think it's Britannias responsibility as I believe that although mortgage lenders can actually insist on ppi, they cannot insist iTunes be theirs.

 

Britannia say to direct complaint to Britannic as not their problem.

 

Don't think I'm going to get anywhere with this as was 1993 and I don't have any other records and doubt Britannic will have either from so long ago.

 

Lol didn't mean I iTunes meant to say they can't insist it must be theirs.

[dx100uk]

there is NO legal requirement for PPI

 

the ONLY thing you must have is building insurance

 

dx

[georgia099]

there is NO legal requirement for PPI

 

the ONLY thing you must have is building insurance

 

dx

 

So who is at fault?? Britannic for arranging the mortgage and ppi or Britannia for selling compulsory products?? I need to know what to do now x

[dx100uk]

they are making comments so they must have the data

 

why are you saying they dont?

 

have you sar'd them ?

 

they cant just fobyour off without proof

 

dx

[georgia099]

Britannia have sent a load of bumpf with their letter

 

but they say Britannic advised us so it's their problem.

 

I'm saying I don't have any paper work relating to Britannic ??

 

But my argument is that we were sold a policy that wasn't required by law, however will quote you a paragraph from a copy of the mortgage advance that Britannia sent us;

 

Buildings and contents insurance will be arranged under the multiguard scheme of the society and additionally Payment Plus insurance must be taken out. Should either policy be allowed to lapse before the first anniversary of completion of the advance the society reserves the right to withdraw all discounts and revert during the first 12 month period the rate of interest to the society's standard variable base rate.

 

 

So I presume this is the deal they were on about.

 

Does this help??

 

Sorry for being a bit thick but heads a bit mashed with it all x

[dx100uk]

that cetainly does help.

 

thats very damning , whoever is writing that is your target.

 

can you scan docthat up please?

 

very interesting.

 

you dont HAVE to have anything other that building insurance

unless you already had it.

 

so this could be more than PPI mis-selling here

 

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[georgia099]

Will get my brother to do it in morning thank you x