Can i claim the PPI on a joint loan?

shellx180

I've just started (today) the ball rolling to claim my Natwest Credit Card PPI which i didn't know i had on there!

This got me thinking about the loan i had with my ex partner, which we consolidated with a second loan. We were told we had to have this PPI on the loan, no option, can i claim the PPI myself? We do not speak anymore and have no contact.

I am writing to the RBS to get the account details as it has been closed for 3 years (my ex has all the paperwork).

Any advice would be appreciated thank you.

magpiecottage

How come you did not know you had it on the credit card? Did you not bother to read your statements?

With the joint loan, you may find you cannot force a complaint unless both parties agree to pursue it.

shellx180

magpiecottage wrote: »

How come you did not know you had it on the credit card? Did you not bother to read your statements?

Obviously not well enough! I assumed it was a standard compulsory charge on my statement, as it was my first credit card i didn't know any better.

With the joint loan, you may find you cannot force a complaint unless both parties agree to pursue it.

ok thanks

monstermuncher

magpiecottage wrote: »

With the joint loan, you may find you cannot force a complaint unless both parties agree to pursue it.

Why would this be the case? Surely when you take out a joint account part of that is that either party can deal with it?

I can claim with my ex but it's difficult as he lives in Australia. It's very annoying because they were happy for him to settle the loan without my signature, but now they need both to complain!

magpiecottage

monstermuncher wrote: »

Why would this be the case? Surely when you take out a joint account part of that is that either party can deal with it?

I can claim with my ex but it's difficult as he lives in Australia. It's very annoying because they were happy for him to settle the loan without my signature, but now they need both to complain!

If the firm has a liability it is to you both and they therefore need the agreement of both of you to reach a settlement.