Abbey/Santander PPI

yvonne13_2

I was going through some paperwork early this morning when I stumbled across this PPI with Abbey.

I never knew I had it or even remember signing for it and to be honest it only covers sickness and accident which I would not have agreed to unless it covered unemployment.

The start date was 28th December 2005 and got this statement 19th May 2008.
Since the bank has changed names there has been no meantion of PPI on any statement of payment breakdown so I don't know if I am paying it bundled into the monthly repayments.

I went to Santander this morning and they lady gave me a phone number to ring so I can start my claim and when I rang they said I couldn't make a claim because I had it with Abbey and that name has been disbanded.:eek:

Now I don't know if they were trying to fob me off or what so can anyone advise me where I go from here?

Thanks in advance.

dunstonh

which I would not have agreed to unless it covered unemployment.

So, how did you agree to it?
What type of PPI is it? (you dont mention it in your post)

I went to Santander this morning and they lady gave me a phone number to ring so I can start my claim and when I rang they said I couldn't make a claim because I had it with Abbey and that name has been disbanded.

Thats rubbish and a very surprising response. Try again. However, before you do, you need to be clear on what your complaint reasons are. There is nothing wrong with having PPI. You cannot complain just because you have it. You need to have reasons for complaining. You will be asked what your reasons are and possibly what evidence you have to support it (depends on your complaint reasons)

yvonne13_2

dunstonh wrote: »

So, how did you agree to it?
What type of PPI is it? (you dont mention it in your post)



Thats rubbish and a very surprising response. Try again. However, before you do, you need to be clear on what your complaint reasons are. There is nothing wrong with having PPI. You cannot complain just because you have it. You need to have reasons for complaining. You will be asked what your reasons are and possibly what evidence you have to support it (depends on your complaint reasons)

I didn't agree to it as I was working abroad at the time so my solicitor took care of everything on my behalf. All I signed was the deeds to my house.

It only covers accident and sickness which would not have suited my needs due to me being covered for that company sick pay (six months full salary after that time half salary) already by the company that I worked for at the time, plus I had shares in the company and was in the shared save scheme too.

At the top of the statement it says paymentcare mortgage payment protcetion insurance.

dunstonh

I didn't agree to it as I was working abroad at the time so my solicitor took care of everything on my behalf. All I signed was the deeds to my house.

And somewhere in there you also agreed to it. It does not get added without the documentation appearing somewhere

It only covers accident and sickness which would not have suited my needs due to me being covered for that company sick pay (six months full salary after that time half salary) already by the company that I worked for at the time, plus I had shares in the company and was in the shared save scheme too.

The 6 months full pay, 6 months half is a good complaint reason. The share save is not. If you were working abroad at the time, then that is a good reason as most of these only cover UK residents. Although that may also apply to the mortgage as well which could indicate it was a fraudulent mortgage application (applying for a residential mortgage when you were not going to be resident). I'm not saying you did but based on so little information, whatever you say often leads on to other things (it may be that you were coming back to the UK).

Remember that mis-sale applies to your position at point of sale or forseeable future. Not your current position if it has changed. i.e. if you have a different employer now to that when you took out the MPPI then it is not a mis-sale if your current employer terms are what you are using.

At the top of the statement it says paymentcare mortgage payment protcetion insurance.

Right. So, it is MPPI we are talking about.

yvonne13_2

dunstonh wrote: »

And somewhere in there you also agreed to it. It does not get added without the documentation appearing somewhere



The 6 months full pay, 6 months half is a good complaint reason. The share save is not. If you were working abroad at the time, then that is a good reason as most of these only cover UK residents. Although that may also apply to the mortgage as well which could indicate it was a fraudulent mortgage application (applying for a residential mortgage when you were not going to be resident). I'm not saying you did but based on so little information, whatever you say often leads on to other things (it may be that you were coming back to the UK).

Remember that mis-sale applies to your position at point of sale or forseeable future. Not your current position if it has changed. i.e. if you have a different employer now to that when you took out the MPPI then it is not a mis-sale if your current employer terms are what you are using.



Right. So, it is MPPI we are talking about.

Not at all I was never a resident outside of the UK I worked in India setting up the call centre and had to work there for 7 weeks then come back to England and work here for two weeks and this went on for six months then I stayed in the UK for two months then once again did the 7 week 2 week thing again.

Therefore I was never classed as having residency outside of the UK because I never stayed there more than 7 weeks at a time. (In India from 2005 to 2006)

Plus I don't think me working abroad had anything to do with it because when I came back and signed the deeds 16th February 2006 I had finished my overseas role and was based back permanantly in the UK.

I hope you have understood what I have wrote, and I am glad you have raised some valid points thank you.

Update:

I have just rung them back again and spoke to someone else and they took all my information this time and said I should get a letter in two weeks to confirm that I have raised a complaint, then after a further 8 weeks I will get told the outcome.

Thank you for your help

dunstonh

Plus I don't think me working abroad had anything to do with it because when I came back and signed the deeds 16th February 2006 I had finished my overseas role and was based back permanantly in the UK.

Thats fine. As I said, on snippets of short posts, you cant get a full picture. If you were not abroad long enough to be classed as non-resident then its not an issue.

I suspect that with the 6 months full/6 months half pay that you will be refunded.

yvonne13_2

dunstonh wrote: »

Thats fine. As I said, on snippets of short posts, you cant get a full picture. If you were not abroad long enough to be classed as non-resident then its not an issue.

I suspect that with the 6 months full/6 months half pay that you will be refunded.

I hope so, will it just be just be the amount they were taking per month or is it just a set fee?