Mortgage Monthly PPI

[Deleted User]

magpiecottage wrote: »

I am, though, very concerned that small, honest, traders are being driven to the wall by the compensation culture and the ability to make fraudulent complaints with no risk.

I think the person concerned (whoever that might be;)) already knew all about your concerns (as well as all the right buttons to push;);)).

*Dusty*

We were specifically told in branch when applying for our first mortgage that we "Had" to have the Halifax MPPI or we would not be given the mortgage.
We have never claimed, I'm now employed and self employed. It's been paid for 9 years, never missed a payment.

Should we take it further?

dunstonh

We were specifically told in branch when applying for our first mortgage that we "Had" to have the Halifax MPPI or we would not be given the mortgage

All you need to do is supply the evidence to support that allegation and you have an upheld complaint. If there is no evidence then you have a rejected complaint (unless there is another failing).

Should we take it further?

depends on your reasons for complaint. If it is just the above then you have the weakest form of complaint going and would expect rejection at the firm and the FOS unless there is another failing.

*Dusty*

dunstonh wrote: »

All you need to do is supply the evidence to support that allegation and you have an upheld complaint. If there is no evidence then you have a rejected complaint (unless there is another failing).



depends on your reasons for complaint. If it is just the above then you have the weakest form of complaint going and would expect rejection at the firm and the FOS unless there is another failing.

I guess it's more on principle than anything, we wouldn't have taken the insurance if we'd been sure we'd had the option.

Naiivety on our part, just doesn't sit well with me when i've been deliberately lied to.