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PPI company claiming can't process anything "due to a virus"
Micheal_Rossiter
Posts: 4 Newbie
I recently started a PPI claim with Assurant for PPI that I was told was compulsory for my mortgage.
they responded with:
Further to your request for policy information, please be advised this policy was originally set up on a Commitments Protection Ltd (CPL) scheme, underwritten by Commitments.
The policy was transferred to an Assurant Intermediary Ltd scheme, underwritten by Assurant General Insurance Ltd in February 2009. Unfortunately we do not have access to the original policy documents or the seller of the policy which were produced from the CPL on-line system. Due to a virus, their system and data became corrupt and we are unable to obtain copies of any policy documentation. Please note, this compliance breach was reported to the Financial Services Authority (FSA) by CPL.
I can't locate ANY info as to a reported breach online, Assurant are basically stonewalling.
Where do I go next? Do I raise a complaint via the Ombudsman, and if so, whats the best way to calculate the total PPI I've paid?
Also since they've failed their duty to have proper data backups, can I claim compensation for the extra hassle making the claim?
Any info greatly appreciated
they responded with:
Further to your request for policy information, please be advised this policy was originally set up on a Commitments Protection Ltd (CPL) scheme, underwritten by Commitments.
The policy was transferred to an Assurant Intermediary Ltd scheme, underwritten by Assurant General Insurance Ltd in February 2009. Unfortunately we do not have access to the original policy documents or the seller of the policy which were produced from the CPL on-line system. Due to a virus, their system and data became corrupt and we are unable to obtain copies of any policy documentation. Please note, this compliance breach was reported to the Financial Services Authority (FSA) by CPL.
I can't locate ANY info as to a reported breach online, Assurant are basically stonewalling.
Where do I go next? Do I raise a complaint via the Ombudsman, and if so, whats the best way to calculate the total PPI I've paid?
Also since they've failed their duty to have proper data backups, can I claim compensation for the extra hassle making the claim?
Any info greatly appreciated
0
Comments
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No to both.
There is no evidence you were mis sold anything.0 -
I recently started a PPI claim with Assurant for PPI that I was told was compulsory for my mortgage.
If it was sold by a mortgage adviser then assurant have no liability anyway. So, you wouldnt complain to them.
When did you buy it (important) and was it single premium or monthly premium?Also since they've failed their duty to have proper data backups, can I claim compensation for the extra hassle making the claim?
No. you have not lost out anything because of it.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I would be saying, forget about it. Sounds like you paid and then stopped paying this years ago.
Your info only has to kept for a recommended six years, not forever.
And if you have no info, you can't expect someone else to have it either.
MPPI is not a bad thing to have or to have had.Non me fac calcitrare tuum culi0 -
If you want to be certain, you can pay £10 for Subject Access Request (SAR) which legally entitles you to all information they have kept on file for you. If they still come back with nothing, you could complain to the ICO about this alleged "stonewalling". Note that you'd need far more evidence than simply being unable to find any verification online and the ICO won't be able to progress any PPI complaint, only ensure that what records exist are there for your perusal.Micheal_Rossiter wrote: »I can't locate ANY info as to a reported breach online, Assurant are basically stonewalling.
To be honest, it sounds like you are complaining to the insurer rather than the seller of any PPI so even if they do (did) have records they won't have any liability for the sale or indeed any mis-selling.
You can't complain to the Ombudsman that the financial institution no longer have records and the Ombudsman has no powers to magic them up if they no longer exist.Micheal_Rossiter wrote: »Do I raise a complaint via the Ombudsman
Unless you have your own records/statements you can't calculate any payments you may (or may not) have made.Micheal_Rossiter wrote: »whats the best way to calculate the total PPI I've paid?
None whatsoever.Micheal_Rossiter wrote: »Also since they've failed their duty to have proper data backups, can I claim compensation0 -
Actually it was being paid up until August 2017. and despite supposedly not knowing anything about the policy, they 'somehow' decided to cancel it.
Thanks for the replies everyone, but I'm going to push this via the Ombudsman anyway.0 -
Thanks for the replies everyone, but I'm going to push this via the Ombudsman anyway.
This is destined for failure as Assurant only retailed via mortgage brokers/advisers or via comparison sites. It did not operate its own salesforce.
So you would be complaining about them misselling something they didnt sell to you.
You may want to answer the questions asked as they are important. Such as:
1 - who sold it you? Or did you buy it online?
2 - When approx was it sold to you?I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
As already pointed out, even the Ombudsman can't somehow make records which have been deleted re-materialise. Push the ICO if you truly believe there is deliberate withholding of your information.Micheal_Rossiter wrote: »I'm going to push this via the Ombudsman anyway.
You also appear to be complaining to the wrong institution, so even if records were to be found somehow you'd still meet that "stone wall" I'm afraid.
Quite.This is destined for failure as Assurant only retailed via mortgage brokers/advisers or via comparison sites. It did not operate its own salesforce.0
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