PPI Reclaiming Discussion Part 5

dunstonh

makemesumdosh wrote: »

i took out a mortgage in early 1990's with Halifax and took mortgage protection insurance through a broker. I paid just over £4 per £100 of cover so basically paying around £16 a month. I moved my mortgage around many times and cancelled the insurance (MPI) mortgage protection insurance around 5-6 years ago as I realised it was worthless.
how do I stand, it was provided by GA. (general Accident)

Why do you think it was worthless?

Not that it matters, you do not stand anywhere. You are 15 or more years before regulation. You have no-one to complain to.

makemesumdosh

when I took it out was employed by nhs so would of received 6 months full pay, then 6 months half pay if off sick.
MPI only paid out for 12 months.

dunstonh

makemesumdosh wrote: »

when I took it out was employed by nhs so would of received 6 months full pay, then 6 months half pay if off sick.
MPI only paid out for 12 months.

That is not a missale.

Whilst 12 months sick pay works with short term unsecured debt, it does not work with long term secured debt. FOS reject complaints using that as a complaint reason when its MPPI.

[Deleted User]

makemesumdosh wrote: »

i took out a mortgage in early 1990's with Halifax and took mortgage protection insurance through a broker.
how do I stand, it was provided by GA. (general Accident)

You'd have to complain to the broker, but it's far too long ago for any complaint to even be considered.
Brokers were not regulated until January 2005 and General Accident have no liability for the sale.

Sorry.

makemesumdosh

Thanks for the advice

Karen19

dunstonh wrote: »

What are you attempting to complain about?

This thread is about PPI but endowments couldnt have PPI on them.

Are you on the wrong thread or are you perhaps, mistakenly believing your endowment had PPI?

Hi... Sorry didn't know that and as it was from such a long time ago I just wanted to ask the question to be sure. Thank you for responding

Karen19

Magsterly wrote: »

I knew I had an old loan with Halifax (long paid off) and I just wanted to check whether it had PPI. It just seems strange they don't want to tell me but they wanted me to complete a 10 page statement of my finances including my employment details, medical history and savings even though I may never have had PPI with them at all?

I have had mortgages with Halifax and asked them the question regarding PPI. Today that have sent me a PPI questionnaire to fill in and return to them

Karen19

Moneyineptitude wrote: »

Thirty year-old finance will always be problematical unless the complainant can provide comprehensive documentation from his or her own archive.

Endowments didn't have PPI, however, so you can rest easy knowing you haven't lost out.

Thank you for the reply

eithnemc

I completed a claim against Legal + General using the Revolver recovery tool as per Martin post a few weeks ago

I haven't received any confirmation of receiving claim from Legal + General yet!

Has anyone else used this tool to reclaim?

[Deleted User]

eithnemc wrote: »

Has anyone else used this tool to reclaim?

I'm pretty sure they have.