PPI with Joint names!!!

v32det

Hi Guys could you please advise as to my options.

I took out a mortgage back in 2003 with NR. As I could only borrow so much, I had to also take out a separate loan with NR to be able to buy the house. I was the main person with my then girlfriend as a signature. All the payments since then till now have come from my bank account as I am the primary account holder for this loan. My problem is that in 2006, we split up and I bought her out of our home with a legal cash settlement. Shortly after I changed the mortgage to the Abbey, but continued to pay the NR loan as a separate item.
Anyway I enquired about PPI on the loan and NR said that I did have it from 2003 to 2012. They sent me the forms and I filled them in and raised a complaint "as you do". The form stated that I had to put the names of the borrowers and sign it. As I dont know the whereabouts of my ex-girlfriend I don’t know what to do.
In my eyes, I legally bought her out of the house in 2006, which I assume that means that she had given up all entitlements to the property the bills and the mortgage etc. When I spoke to a friend at a similar company, He told me that they would not deal with any complaints/settlements without both signatures present. That both parties have to decide how to spit the returned PPI. I haven’t a clue where this girl is , it’s been 6 years. As far as Iam aware, she has no entitlement to any of it as I gave her a huge cash settlement back in 06.

Can anyone please advise as to the correct legal procedure regarding the signatures and the claimants entitlement

Kind Regards

v32det

Anyone got any advice?

Thanks

[Deleted User]

v32det wrote: »

Anyone got any advice?

If you've already sent the complaint ("as you do"?), then the Bank will soon let you know whether they require your ex's signature to proceed.

Any entitlement to joint redress will have to be worked out between the two of you. The Bank won't get involved.

v32det

Ok thankyou. I will wait and see

Regards