Can I reclaim anything here?

mrbadexample

:hello:

Ok, when I got my first mortgage, I was led to believe that one of the conditions of the mortgage was that I have both life assurance and PPI.

I cancelled the life assurance some time ago, so don't worry about that.

I got a letter today informing me of changes to my PPI. I didn't know I was still paying it.

However, this is not the company I originally had the PPI with. I started with Legal & General. I got the first 6 months free, then the first payment went out 15 Dec 2003. So I first paid just less than 6 years ago, but took out the policy 6 months before that.

Then in September 2005 I changed from Legal & General to Pinnacle. I assume that, since I joined this site in August 2005, I would have been having a general review of my finances. I was still acting in the belief that it was a requirement of my mortgage agreement that I have PPI.

What can I claim, and who from? I suspect I might have trouble claiming the PPI from Pinnacle was mis-sold, since I sourced it myself looking for a cheaper quote. However, I was still working from the advice given when I was mis-sold the Legal & General PPI.

Any thoughts would be appreciated.

Cheers,
MBE

di3004

mrbadexample wrote: »

:hello:

Ok, when I got my first mortgage, I was led to believe that one of the conditions of the mortgage was that I have both life assurance and PPI.

I cancelled the life assurance some time ago, so don't worry about that.

I got a letter today informing me of changes to my PPI. I didn't know I was still paying it.

However, this is not the company I originally had the PPI with. I started with Legal & General. I got the first 6 months free, then the first payment went out 15 Dec 2003. So I first paid just less than 6 years ago, but took out the policy 6 months before that.

Then in September 2005 I changed from Legal & General to Pinnacle. I assume that, since I joined this site in August 2005, I would have been having a general review of my finances. I was still acting in the belief that it was a requirement of my mortgage agreement that I have PPI.

What can I claim, and who from? I suspect I might have trouble claiming the PPI from Pinnacle was mis-sold, since I sourced it myself looking for a cheaper quote. However, I was still working from the advice given when I was mis-sold the Legal & General PPI.

Any thoughts would be appreciated.

Cheers,
MBE

Hi there;)

Going from what you have posted personally I think you have a case here, however, hopefully Dunstonh will post up with some advice for you on this one as its in regards of mortgage ppi etc.

Meanwhile, also check for more useful info on the link here below:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck with this.;)

Di