Mppi

[LATEOTT18]

Hi

 

I wonder if someone can help me?

 

Last week I decided to fill out an online form with Lloyd to check if I had any PPI on any of the products I used to have with them. The products they had listed were, credit card, loan, over draft and mortgage to which I ticked all just In case.

 

I’ve had a letter back to say “thank you for contacting them with your concerns over your mortgage payment protection, and I should fill out the form they have provided me”. They also added my mortgage account number ( this mortgage was paid back in 2016).

 

I’m assuming I did have MPPI on my mortgage which is why I have received this letter. I’m shocked as I didn’t even know I had it.

 

A couple of years ago I went through my statements to see if there were any Payment protection payments on my mortagsge but couldnt see anything obvious which is why I’m shocked that I did actually have it. Had either myself or husband fell out of work I wouldn’t have claimed.

 

Can anyone please advise me on how MPPi works, has anyone had any success with claiming back?

 

I am thinking I should SAR them to see exactly what they hold for me.

 

Thanks in advance

[dx100uk]

yes I would sar

have you not got the mortgage paperwork still?

 

and I wouldn't use their forms either

the questions are loaded in their favour

[LATEOTT18]

Yes I think I do, I need to have a search for it.

 

How do I get away with not using their form?

 

Is it really possible to have MPPI and not know? I read somewhere that MPPI is a separate product and I would know if I was paying for it.

[dx100uk]

you use the fos one

 

see the fca ppi guide on their website