Who do I contact to reclaim PPI

dunstonh

I have the same issue as this person, we took an Abbey mortgage out through Countrywide Mortgage Services (based in estate agent) in August 2005 and they sold us two policies with Friends Provident: 1) Mortgage Income Protection Cover and 2) Life or Earlier Critical Illness. Countryside were very pushy with both policies and said that we wouldn't find cover cheaper anywhere else.

You cant prove a verbal allegation so that wont get you anywhere.

They also didn't tell us about a cooling off period.

Easy rejection. All life policies since the late 80s send you cancellation rights in the post giving the right to change your mind. It has also been documented in the key features document for most of the last two decades. So, your recollection is likely to be wrong on this.

As far as I understand the Mortgage Income Protection Cover policy with Friends is PPI. Therefore, do I make a PPI claim on the Mortgage Income Protection policy to Countrywide or Friends Provident?

You complaint to countrywide but nothing you have said is likely to see any success. Especially as its a post 2005 case where a statement of demands and needs is involved.

Are you sure the FP plan is PPI and not PHI?

magpiecottage

p3anut wrote: »

The policies were paid monthly from August 2005 to May 2007.

The only common reason to uphold complaints about PPI on a mortgage is that it was a single premium added to the loan. That seems to have been ruled out.