Mortgage PPI

dirty_monkee

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?

dunstonh

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?

dirty_monkee

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

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

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

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.