QUery - I was sold a PPI (included on a life insurance product) by by a IFA - who do I claim against?

[ccastrillo]

The IFA is long gone as he was associated with an Estate Agent and no longer works with them

 

The policy is on a Norwich Union Life Insurance product I am still paying for with about 10 yrs left

- the Payment protection was added onto the policy and I remember feeling quite pressured at the time to include it

 

Who should i put a claim against ?

The IFA or the company I pay premiums to

 

Is there a standard letter I can send to activate the claim and start the 8 weeks countdown that the Financial Ombudsman require?

 

 

Also would I need to request a SAR from Norwich Union (now Aviva) as I think when I moved overseas I may even have requested the PPI be cancelled

 

Thanks, any help would be appreciated

I am all at sea with this whole process!

[ccholland]

do you know if the IFA is still trading as if so you can get his details from the FCA register and then make contact with him.

[maroondevo52]

Sending the company you are paying the premiums to a Subject Access Request would be the way to go, you need to collect as much information as possible regarding payments made ect.

[ccholland]

how long ago did you take out the PPI policy and do you have any copy paperwork ie, application form, demands and needs statement, etc?

[honeybee13]

Hello there.

 

Here's some guidance from the FCA [Financial Conduct Authority]. If the broker has gone out of business, you may need to claim from the FSCS.

 

http://www.fca.org.uk/consumers/financial-services-products/insurance/payment-protection-insurance/claim-ppi

 

HB