Missold ppi

jenny5969

Hi all i am just starting with the process of reclaiming Missold PPI from the Nationwide

I live in Northern Ireland DO we have anything different to do to claim over here as we did for reclaiming bank charges???
I received over £200 MBNA credit card :T
I Have a claim against A&L on hold since 2007 almost £1100 owed

I had an Endowment policy with Nationwide since 2000 and in 2003
After a consultation with the Nationwides Very Persuasive financial adviser
I changed to a Base Mortgage Rate
I Borrowed more to pay bills and do further home improvements,also being told that without taking their PPI I would not get the loan So I agreed
I also took home buildings & contents ins,Life ins for myself & partner also an ins policy for my son in the event of our death

In 2005 my partner was made redundant and still is to this day (he gets NO benefits as I work!!)
I made a morgage PPI unemployment claim only to be declined on the grounds that he had only taken sickness and accident cover,they forwarded me our original copies of the ppi agreements and these Have clearly been tampered with. The accident,sickness & unemployment combined box has been Ticked and scribbled out and the accident & sickness only box has been Ticked. There is also other areas of this contract tampered with also. I dont seem to be mentioned at all on the life ins my details are also scribbled out?!?
I am adamant that we definately took redundancy cover as to date he had been made redundant 3 times already we could not Risk this again
I also asked at this time for the policies to be cancelled as they were worthless to us They refused and to date we are still paying mthly DD's They are aware my other half is unemployed but still withdraw monies from my account for a policy which is rendured useless.?
My local branch have told me she can cancel the policies if I give her the reference numbers But these have been hidden from me all letters state the total amount mthly ins premiums or individual amounts but No references. According to our mortgage ppi policy document We should have had help with our repayments during the first year of my partners redundancy which I feel they blagged their way out of paying with their big words & fancy letters
Its only now putting all the paperwork together I have realised they seem to have changed our contracts after our discussions and quite possibly to suit their need's when we made our claim in 2005. I took their word that we werent entitled to any help.
I struggled severly & still am to make sure the bills are being paid when they should have done what they were contracted to do to ease our burden after all they dont delay in withdrawing payments every mth

Is there any way I can claim this all back I have every letter & contract they ever sent its just a matter of getting it all together

di3004

jenny5969 wrote: »

Hi all i am just starting with the process of reclaiming Missold PPI from the Nationwide

I live in Northern Ireland DO we have anything different to do to claim over here as we did for reclaiming bank charges???
I received over £200 MBNA credit card :T
I Have a claim against A&L on hold since 2007 almost £1100 owed

I had an Endowment policy with Nationwide since 2000 and in 2003
After a consultation with the Nationwides Very Persuasive financial adviser
I changed to a Base Mortgage Rate
I Borrowed more to pay bills and do further home improvements,also being told that without taking their PPI I would not get the loan So I agreed
I also took home buildings & contents ins,Life ins for myself & partner also an ins policy for my son in the event of our death

In 2005 my partner was made redundant and still is to this day (he gets NO benefits as I work!!)
I made a morgage PPI unemployment claim only to be declined on the grounds that he had only taken sickness and accident cover,they forwarded me our original copies of the ppi agreements and these Have clearly been tampered with. The accident,sickness & unemployment combined box has been Ticked and scribbled out and the accident & sickness only box has been Ticked. There is also other areas of this contract tampered with also. I dont seem to be mentioned at all on the life ins my details are also scribbled out?!?
I am adamant that we definately took redundancy cover as to date he had been made redundant 3 times already we could not Risk this again
I also asked at this time for the policies to be cancelled as they were worthless to us They refused and to date we are still paying mthly DD's They are aware my other half is unemployed but still withdraw monies from my account for a policy which is rendured useless.?
My local branch have told me she can cancel the policies if I give her the reference numbers But these have been hidden from me all letters state the total amount mthly ins premiums or individual amounts but No references. According to our mortgage ppi policy document We should have had help with our repayments during the first year of my partners redundancy which I feel they blagged their way out of paying with their big words & fancy letters
Its only now putting all the paperwork together I have realised they seem to have changed our contracts after our discussions and quite possibly to suit their need's when we made our claim in 2005. I took their word that we werent entitled to any help.
I struggled severly & still am to make sure the bills are being paid when they should have done what they were contracted to do to ease our burden after all they dont delay in withdrawing payments every mth

Is there any way I can claim this all back I have every letter & contract they ever sent its just a matter of getting it all together

Hi there

I would definately give it a go - if mis sold PPI for any reason, go for it.;)

Not sure if there are any difference in rules of where you live but I assume the reclaiming side of it would be the same.

For more info with a checklist of mis selling reasons, useful info and templates on the link below, if you require further help from there, just yell, where one of us will be happy to help all we can.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Post all letters by recorded delivery, for your proof of posting, good luck.

dunstonh

I am adamant that we definately took redundancy cover as to date he had been made redundant 3 times already we could not Risk this again

Check your policy schedule. It would tell you on there if you had it.

these Have clearly been tampered with. The accident,sickness & unemployment combined box has been Ticked and scribbled out and the accident & sickness only box has been Ticked. There is also other areas of this contract tampered with also. I dont seem to be mentioned at all on the life ins my details are also scribbled out?!?

That is not tampering. They are allowed to correct errors. e.g. ticking the wrong box.

Tampering would be setting up the policy one way but altering the applications to be something different. If what you have matches the application then its not tampering

I also asked at this time for the policies to be cancelled as they were worthless to us They refused and to date we are still paying mthly DD's They are aware my other half is unemployed but still withdraw monies from my account for a policy which is rendured useless.?

There is absolutely no reason for them to refuse. Indeed, the people that deal with cancelled direct debits or the insurer themselves would not refuse.

If you are going to put a complaint in you are going to have to word it better than you have in your post. There are inconsistencies with your information and they will use those against you. Also, making false allegations can harm you in cases where there is no evidence to support your claims where a balance of probability decision needs to be made.