Nottingham Building Society/Bradford and Bingley PPI

DRS1101

Please can anyone advise...I took out a mortgage with Bradford and Bingley in about 1998 and then changed mortgage providers in 2007 to Nottingham Building Society. I work full time for the NHS and get 6 months full, 6 months half pay which would have applied to both mortgages. I paid around £20 per month PPI on the Bradford and Bingley and when I changed providers to the Nottingham, paid approx £25 per month PPI to London and Edinburgh through the Nottingham. I changed mortgages last January to the Yorkshire bank with a whopping redemption fee to be paid to Nottingham (can this be claimed back does anyone know) When taking out both mortgages I thought i had to have the PPI when taking out both of the mortgages. Is this worth looking at do you think? Really grateful for advise/comments. Thank you. x

dunstonh

I changed mortgages last January to the Yorkshire bank with a whopping redemption fee to be paid to Nottingham (can this be claimed back does anyone know)

No. Early repayment charges are your choice to take on and your choice if you redeem early. They are a valid and fair charge.

When taking out both mortgages I thought i had to have the PPI when taking out both of the mortgages.

A misconception is not grounds for complaint.

Is this worth looking at do you think? Really grateful for advise/comments.

The 1998 case may be difficult. Especially if you used a broker/adviser rahter than buying via lender (it is pre-regulation for broker/advisers).

The 2007 case is much easier as that had to comply with modern rules and in 2007 it should have been checked.

DRS1101

Thank you. I am actually using a claims company who have taken the B&B details. I won't hold out much hope for that one then. I took the mortgage through our local B&B branch. When you say the 1997 case is much easier, do you think this sounds more positive? Thanks again for your advise, very much appreciated