PPI and Santander/Abbey/Aviva

Gourami

I have an abbey Credit card, and as people may know they were bought by Santander. I have tried various numbers to establish an address to write to regarding PPI, one person says ring 08458444666 who say I should ring 08458444666 who refer me back to the first.

Abbey it appears used to do the insurance then Santander took over but dont handle PPI, Aviva do.

The address I have been given is Santander, PO Box 5873, Milton Keynes MK10 1ER does anyone know if this is correct?

marshallka

Gourami wrote: »

I have an abbey Credit card, and as people may know they were bought by Santander. I have tried various numbers to establish an address to write to regarding PPI, one person says ring 08458444666 who say I should ring 08458444666 who refer me back to the first.

Abbey it appears used to do the insurance then Santander took over but dont handle PPI, Aviva do.

The address I have been given is Santander, PO Box 5873, Milton Keynes MK10 1ER does anyone know if this is correct?

Hi the above telehphone number is not recognised on google???
Can you give the exact name of the company on your documents and we can check the registers for you.

marshallka

Don't know if this helps but you really need an exact address and anything else you can pick up from documents and we can find where exactly to send this to.

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1210607108273&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

Shany2

Hi there
I hope somebody can help I had mppi with Norwich Union from 2000 to 2006,how do you complain to Aviva is it the same form used as the banks or is it a different procedure?


Many thanks for advice please:A

dunstonh

Shany2 wrote: »

Hi there
I hope somebody can help I had mppi with Norwich Union from 2000 to 2006,how do you complain to Aviva is it the same form used as the banks or is it a different procedure?


Many thanks for advice please:A

Are you sure it is MPPI and not life assurance or income protection? Aviva did underwrite a few MPPI plans but by far they are more known for life assurance and many of the plans they underwrote were white labelled (the distributors name - often a bank - would be used on the product).

You do not complain to the insurer. You complain to the broker or seller. However, its pre-regulation so if it is a broker then it will be an easy rejection (irrespective of your reason).

Who sold it to you and why was it mis-sold in your opinion (noting that MPPI doesnt get as many upheld complaints as the other types of PPI).

shellleyb1

Gourami wrote: »

I have an abbey Credit card, and as people may know they were bought by Santander. I have tried various numbers to establish an address to write to regarding PPI, one person says ring 08458444666 who say I should ring 08458444666 who refer me back to the first.

Abbey it appears used to do the insurance then Santander took over but dont handle PPI, Aviva do.

The address I have been given is Santander, PO Box 5873, Milton Keynes MK10 1ER does anyone know if this is correct?

We are claiming from CGU (apparantly part of Abbey and underwriters for a Freedom Finance loan) we approached FOS and they gave us the address below. I am not sure if this is relevant to yours hope it is

CGU UNDERWRITING LTD
ABBEY NATIONAL PLC
PO BOX 5129
MILTON KEYNES
MK9 2YN

Although we haven't had a response our post office tracking shows that the letter has been delivered. You could always ask them to forward to the correct department if its not their query?

Shany2

dunstonh wrote: »

Are you sure it is MPPI and not life assurance or income protection? Aviva did underwrite a few MPPI plans but by far they are more known for life assurance and many of the plans they underwrote were white labelled (the distributors name - often a bank - would be used on the product).

You do not complain to the insurer. You complain to the broker or seller. However, its pre-regulation so if it is a broker then it will be an easy rejection (irrespective of your reason).

Who sold it to you and why was it mis-sold in your opinion (noting that MPPI doesnt get as many upheld complaints as the other types of PPI).

Hi there thanks for the advice it was origionaly from General Accident called protect direct a mortgage repayment protection policy, it then went to CGU insurance and then Norwich Union.When we took out the mortgage we were advised by GE at the time that we needed this product there was no way out of it. Do you think I would be able to make a claim? Thanks:A

dunstonh

Shany2 wrote: »

Hi there thanks for the advice it was origionaly from General Accident called protect direct a mortgage repayment protection policy, it then went to CGU insurance and then Norwich Union.When we took out the mortgage we were advised by GE at the time that we needed this product there was no way out of it. Do you think I would be able to make a claim? Thanks:A

If you have a complaint you can make it. However, with mortgages, the complaint upheld ratio is far lower. Typically, success is where the insurance is single premium, you are not eligible or have no financial need or its one of the banks that is auto upholding complaints currently. Mortgage insurance is seen to be required by most people. So, unlike loan and credit card with its near 90% uphold rate, MPPI is half that.

The product name could indicate life assurance or ASU. So, its still not clear what it covers. This will be important if you complain about it being one thing but it actually turns out it is the other.

Shany2

Hi Folks

It is me again the policy says Protect Direct it covered Accident and sickness benefit and unemployment benefit. I am not sure what address to write to regarding this.

Many thanks for any help

dunstonh

I am not sure what address to write to regarding this.

You complain to whoever sold it to you.

LWarcher

I am very confused by the whole PPi think. I had a mortgage in 2004 with Abbey and then in 2009 with Coventry. I could possibly find some details of account no etc but I now don't know where to go from there. Can i reclaim PPi? My partner has had a few loans and again we would like to reclaim but don't know where to start.
What about store cards? Can you reclaim from them?
I'v had a current account that had thousands of charges, is it possible to reclaim them?
What about the HP i had on my car?

Please can someone talk me through a basic, very basic step by step of how to do....please.

Someone please help

LWA