newbie with a northern rock ppi question ?

heather.mckenzie25

hi,

by sheer accident i found out i have been paying £25 a month ppi to northern rock for the last 6 years, this is not something i wasnt offered or even told about when we took the mortgage ( and combined loan we took the together product) further to this my partner has pre exisiting condition which means it doesnt even apply. We orginally got our mortgage thro a broker a slater hogg. Is it worth trying to claim some of this money back considering its something i never agreed to ? (we have been with them for 6 1/2yrs )

and if i was to go ahead with this would it be nram or nr i would contact

thanks
hx

ACG

It would be the broker as they sold you the policy.
Does it not just exclude pre existing conditions, so it would cover for everything but that?

How did you find it by accident? Is it not a seperate deduction from your bank?

heather.mckenzie25

i found it as i was looking for a phone number and had wrote it on my quarterly statement from nram, and had never noticed (thro noones fault but my own till now) that an insurance premium is taken every month , i never noticed before as my payment to nram comes out of my bank as one payment (we have the together product so we have an unsecured loan and a secured loan payment)

I was under the impression that the life insurance etc policies that we also took at the time were there for us if we had medical problems and werent able to work, as far as im aware you couldnt claim from both , so how can both be sold to me at the same time

really sorry im abit stupid when it comes to these things

Thrugelmir

Life assurance is in the event of death not a medical condition. So is a different type of cover to PPI.

heather.mckenzie25

im actually just looking thro the seperate policy we took for the life etc cover and listed on this as well is mortgage payment protection, so as far as so ive been paying it to that policy then again to the mortgage company ( as the cover and the mortgage are with two seperate companies)

the insurance is for death and critical illness