PPI - Joint Policy ex partner won't sign claim form

Clarabellax2

I am trying to claim some ppi back that was a joint policy with my ex partner, ex partner has refused to sign it, can I still claim it back, even if its just my share of the policy. Is there anyone who has claimed on a joint policy and has not be able to contact ex partner and succeeded in their claim. Any help would be appreciated. Thanks

amersall

Did you tell ex that they will get 50% of any win? if the claim is joint and you explain to the bank that you are not together they will pay you both a share.

[Deleted User]

amersall wrote: »

if the claim is joint and you explain to the bank that you are not together they will pay you both a share.

But only if they both sign the complaint, of course.

Clarabellax2

Yes I told my ex that we would both get 50% if any payout was made, but this has not made any difference. Can I not just claim my half?

jay-1

Try phoning the loan company and see what they say.

Clarabellax2

I am going through financial ombudsman, they know the situation, are still going to contact company about ppi and tell them that one person is refusing to sign form but they are doubtful that I will get anything as both parties have to sign complaint form.

amersall

How did you get to the FOS, did the company reject the claim initially because they needed both signatures?.

I can't believe someone does not want 50% of a possible win, do they think that you will get the whole amount and maybe won't give them the cash? if so then get them to do the claim, they have to tell them you are separated though, as the cheque, if you win, will be in joint names and I take it you no longer have a joint bank account? so they cannot bank the cheque.

Both signatures are need though to make the claim, unless someone comes on who has been through this and what they did to resolve it.

Clarabellax2

Yes I wrote to the Royal Bank of Scotland who said that the ppi was not mis-sold, my ex partner did not sign this letter and would of not made any difference on their repsonse, I wrote back asking for evidence to prove this, I have yet had a response with this evidence, I assume I just got a standard reply.

Someone told contact the fos and go through them so I wrote to them and got a complaint form back and then my ex refused to sign and is aware they are entitled to half the money so I am puzzled why they wont sign, the fos are aware of this and told me to still send the forms back to them and said they would still try but do not think I will get anything, the person I spoke to had not had any other cases when only one person signed the complaint when the policy was in joint names. I bet there are other cases when people cannot get in touch for poilicies to be signed as a lot of peoples complaints are from years ago.

I wrote on here to see if anyone had a similar problem so hopefully will be able to help.

safestored4

Of course, it's always possible that your ex-partner doesn't think the PPI was mis-sold and is not prepared to tell porkies.

dunstonh

Yes I wrote to the Royal Bank of Scotland who said that the ppi was not mis-sold, my ex partner did not sign this letter and would of not made any difference on their repsonse, I wrote back asking for evidence to prove this, I have yet had a response with this evidence, I assume I just got a standard reply.

They cannot provide you with evidence as you asking for prove of something that does not exist. It doesnt matter if your partner did not sign the letter. They would still start the complaint. If the outcome resulted in payout then it would matter but until then it doesnt.

Clarabellax2

It was mis sold my ex left all that sort of stuff to me but the sales person was pushy so we just took it, its hard remembering every single detail as it was a few years ago.