mortgae brokers and ppi

wingate12

this happened in August 2008

dunstonh

isnt this the case with all ppi claims its your word against there's , we know what we asked for .

No. Most verbal allegations fail without evidence of wrong doing or another failure.

this happened in August 2008

IN which case there will be a statement of demands and needs that was issued to you which would state your needs, what you asked for and what you got to meet them. If that says the cover was needed 50/50 and that is what you got then your complaint would be rejected. If it said 0/100 and you got 50/50 then you have a valid complaint reason.

_Andy_

wingate12 wrote: »

isnt this the case with all ppi claims its your word against there's , we know what we asked for .

here is a question for u -: if i had gone on the sick would i ov been able to use the policy ?

'ov been able'? What?

roonaldo

If they pull out a PPI application form and Demands and needs statement saying its joint cover at 50/50 each then your complaint is completely flawed. Only if they have a record that you signed for 100% cover may you have a point.

Furthermore, from experience, if you signed for 100% cover and it was accidentally setup with 50/50 cover they would usually honour the claim for the full amount.

You have also contradicted yourself as you refer to just wanting your wife only to have the PPI, then in your last paragraph you refer to wanting it yourself. So 50/50 cover sounds correct.

wingate12

I am sorry but i think u are all missing the point, i never wanted any ppi for myself i did however want it for my wife as here job was more at risk than mine it was only when we came to use the policy did we notice it was in both our names. so if i was to try and claim is it against the company the mortgage adviser worked for?

[Deleted User]

wingate12 wrote: »

I am sorry but i think u are all missing the point, i never wanted any ppi for myself i did however want it for my wife as here job was more at risk than mine it was only when we came to use the policy did we notice it was in both our names.

I think you are the one who has "missed the point"

You should have checked who the cover was for long before the time when you tried to claim. You had a thirty day "cooling off" period to peruse the terms and conditions for a start..
What proof do you have that you asked for cover for an individual and were given joint cover? Moreover, why would you ask for cover for your wife if you were paying the mortgage?

Regardless, all of this is still a "hearsay" complaint which you cannot prove.

Any complaint you make would go to the mortgage advisor.

roonaldo

wingate12 wrote: »

I am sorry but i think u are all missing the point, i never wanted any ppi for myself i did however want it for my wife

but you signed for 50/50 cover. as said before as this was a 2008 sale there will be a Demands and needs statement and the sales evidence is going to be very strong as PPI complaints were on the increase in 2008. if they show that you signed for 50/50 cover then your complaint is flawed.

I think your complaint will be solved if you show them your PPI application form that shows its 100% cover for your wife as your adamant it was.

roonaldo

wingate12 wrote: »

When i took out a mortgage i also took out ppi for my wife

so you wanted PPI for wife.

it was of no use when i needed it??????

so you did need it. you were sold 50/50 cover so its sound correct.

[Deleted User]

roonaldo wrote: »

You have also contradicted yourself as you refer to just wanting your wife only to have the PPI, then in your last paragraph you refer to wanting it yourself. So 50/50 cover sounds correct.

I think you're being a little uncharitable there, Roo. It was the OP's policy and I think he's entitled to say "it was no use when I needed it." Semantics to be sure, but it was probably meant as "it was no use when WE needed it". Not a contradiction, more an unfortunate turn of phrase.
However, I've already agreed with everything else you said earlier in the thread. This is a weak complaint that, without comprehensive documentation to back it up, will doubtless fail.
As you say, by 2008, the controls were already well in place to prevent such accusations having no defence by lenders/advisors.

Rooooonaldo wrote: »

show them your PPI application form that shows its 100% cover for your wife as you're adamant it was.

I'll be very very surprised if any of the documentation shows anything like that...

dunstonh

Documentation is King in most complaints. If the adviser shows a statement and demands of 50/50 then any complaint otherwise is likely to fail unless there is other documentation showing 0/100 was needed/wanted.