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  • FIRST POST
    • MyUsername
    • By MyUsername 19th Mar 17, 12:01 AM
    • 48Posts
    • 12Thanks
    MyUsername
    Checking for PPI
    • #1
    • 19th Mar 17, 12:01 AM
    Checking for PPI 19th Mar 17 at 12:01 AM
    Hi my mum took out a mortgage in 1988 which was changed in 1989 and 1999 when she moved house and I was wondering what the chances were that she had PPI on her Mortgage as she isn't sure. Also how is the best way to find out if she had PPI or not?

    The Mortgage was with the Britannia Building Society and it was paid off in full in 2012.
Page 1
    • Moneyineptitude
    • By Moneyineptitude 19th Mar 17, 12:49 AM
    • 18,504 Posts
    • 8,732 Thanks
    Moneyineptitude
    • #2
    • 19th Mar 17, 12:49 AM
    • #2
    • 19th Mar 17, 12:49 AM
    how is the best way to find out if she had PPI or not?
    Originally posted by MyUsername
    Ask the lender..

    Mortgage PPI is normally not judged mis-sold though because the audit trail is far better and the insurance covers a major financial commitment with life-changing consequences if it is not paid. Basically, your mother could have lost her home..
    • dunstonh
    • By dunstonh 19th Mar 17, 1:07 AM
    • 87,684 Posts
    • 52,914 Thanks
    dunstonh
    • #3
    • 19th Mar 17, 1:07 AM
    • #3
    • 19th Mar 17, 1:07 AM
    I was wondering what the chances were that she had PPI on her Mortgage as she isn't sure.
    Nobody knows apart from her. Most people take out some insurances with mortgages. Quite normal as it is a major debt with lifestyle changing consequences if it goes unpaid. That is why most MPPI complaints fail.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • MyUsername
    • By MyUsername 19th Mar 17, 2:41 PM
    • 48 Posts
    • 12 Thanks
    MyUsername
    • #4
    • 19th Mar 17, 2:41 PM
    • #4
    • 19th Mar 17, 2:41 PM
    Given that the Britannia is now the Co-Operative does that mean I have to go through them?
    • dunstonh
    • By dunstonh 19th Mar 17, 3:12 PM
    • 87,684 Posts
    • 52,914 Thanks
    dunstonh
    • #5
    • 19th Mar 17, 3:12 PM
    • #5
    • 19th Mar 17, 3:12 PM
    Given that the Britannia is now the Co-Operative does that mean I have to go through them?
    Originally posted by MyUsername
    Did Britannia sell the PPI or did she use a mortgage broker/adviser? Britannia were often used by broker/advisers.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • MyUsername
    • By MyUsername 19th Mar 17, 9:44 PM
    • 48 Posts
    • 12 Thanks
    MyUsername
    • #6
    • 19th Mar 17, 9:44 PM
    • #6
    • 19th Mar 17, 9:44 PM
    It was bought directly from Britannia.

    I think at first though she had one through National and Provincial which I assume is now part of Santander?
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