Northern Rock / Pinnacle Insurance

Mykridia

Hello , I am new on here and to all this , my wife has been telling me to check for ppi , I never thought or really troubled myself to check .
Here goes I have had a northern rock mortgages since pre 2000 , I have also had a pinnacle insurance sold to me with the mortgage in 2004 , I was told it went hand in hand with the mortgage , I have been with a halifax mortgage for nearly two years now , but when I checked bank statements I am still paying a direct debit to pinnacle insurance , now call me daft , but why am I paying for a product that doesnt apply anymore ? Surely this should have stopped when I was advised two years ago by NRAM that I would not qualify for a new mortgage deal ! , Also any advice on the actual product as way back in 2004 i was told I could not get the northern rock mortgage without paying the pinnacle insurance which on my earlier bank statements was built into the mortgage payments ,
Please any help or advice before I contact either pinnacle or northern rock (NRAM) thanks again ....

dunstonh

now call me daft , but why am I paying for a product that doesnt apply anymore ?

What makes you think it doesnt apply?
If you didnt want it any more, why didnt you cancel it?

Surely this should have stopped when I was advised two years ago by NRAM that I would not qualify for a new mortgage deal !

No. Many people carry their insurance from one lender to the next. A lender has no right to cancel insurance.

Also any advice on the actual product as way back in 2004 i was told I could not get the northern rock mortgage without paying the pinnacle insurance which on my earlier bank statements was built into the mortgage payments ,

If you have evidence to support that then its a strong complaint. Without evidence it is an easy rejection (on that point in isolation).

Mykridia

Hello , thanks for replys , some are common sense ,paying for something etc, I do have a life policy with legal and general which low and behold is on a shared document with pinnacle/cardiff a document dated 2004 saying payment protection plan from pinnacle insurance ,I remember now being told that Northern rock used Legal and general for life insurance and pinnacle was a sickness plan , i also have another dated 2006 for a paysafe scheme , I have since found the NRAM site that actually gives a phone number for ppi claims , I definatly remember being told that pinnacle was tied in with mortgage , i have ported my northern rock mortgage when moved house and pinnacle stayed on new mortgage , I suspect that the documents I have all have policy numbers on , so will see what they say . Just hope I dont get fobbed off if I genuinely have a case ???

dunstonh

Just hope I dont get fobbed off if I genuinely have a case ???

I have yet to see anything that suggests any wrong doing. That is your problem at the moment.

[Deleted User]

Mykridia wrote: »

I suspect that the documents I have all have policy numbers on , so will see what they say . Just hope I dont get fobbed off if I genuinely have a case ???

You don't appear to have a "case" or any idea where to look for mis-selling reasons.
Nothing you have detailed indicates any mis-selling..it's not wrong to have a PPI policy or policies. In addition, it's your own responsibility to cancel any insurance which no longer applies to you.