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Mortgage PPI

dirty_monkee
dirty_monkee Posts: 24 Forumite
in Reclaim PPI & other insurance
Hello, ive been recommended to post this here.

I have a PPI with my mortgage, its a joint mortgage and i havent signed the declaration, however my partner has, can i still claim back this or is a mortgage protection good to keep?

Comments

  • dunstonh
    dunstonh Posts: 121,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I have a PPI with my mortgage, its a joint mortgage and i havent signed the declaration, however my partner has, can i still claim back this or is a mortgage protection good to keep?

    What would be your reason for complaint?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • dirty_monkee
    dirty_monkee Posts: 24 Forumite
    dunstonh wrote: »
    What would be your reason for complaint?

    As it were taken out wth the mortgage we were worried about lending such a large amount of money and felt we needed this in order to get this mortgage, we had our moortgage just as it was getting very difficult to get one. I feel we were slightly "pushed" into it
  • roonaldo
    roonaldo Posts: 3,420 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    With mortgages fact finds are done. Also you wouldnt have got the mortgage if it were not affordable. If he signed for the PPI and its only in his name, then thats fine.
  • dirty_monkee
    dirty_monkee Posts: 24 Forumite
    edited 22 July 2011 at 10:14PM
    roonaldo wrote: »
    With mortgages fact finds are done. Also you wouldnt have got the mortgage if it were not affordable. If he signed for the PPI and its only in his name, then thats fine.

    It covers us both yet only one person signed although it asked for both
  • dunstonh
    dunstonh Posts: 121,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You have yet to give a reason for mis-sale though. Remember that MPPI is not as easily upheld as PPI as the financial need is greater and its still considered best advice to have it. So, for it to be classed as mis-sale, it needs to have a complaint reason.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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