GMAC mortagge

smiffy5

hi - i previously had 2 mortgages with GMAC - i don't have any documents relating to this. Can i still claim any ppi back and how would i do this?

thanks

dunstonh

Can i still claim any ppi back and how would i do this?

Did you have PPI?
Did GMAC sell it to you? (unlikely given their distribution method)
when did you buy it? (before or after January 2005)
was it monthly premium or single premium?

smiffy5

hi

totally unsure if i even had ppi on these mortages.

i took out the mortgage via a broker.

1 was in 2005 and 1 was prior to that.

sorry if i am vaque but really cant remember.

thanks

[Deleted User]

smiffy5 wrote: »

totally unsure if i even had ppi on these mortages.

Not helpful.

i took out the mortgage via a broker.

1 was in 2005 and 1 was prior to that.

The potential complaint prior to 2005 is pre-regulation and so is definitely over before it begins.

The latter one will need to be backed up with some evidence. How can you complain that mortgage PPI was mis-sold to you if you're not even certain that you had the insurance?

roonaldo

smiffy5 wrote: »

totally unsure if i even had ppi on these mortages.

so why on earth do you feel it was mis-sold then?

Its like going into Currys and asking for a refund on a TV, they say "sir where is the TV?", you respond "im not sure if I bought one"

smiffy5

hi

well i would say thank you all for your constructive help and advice, but I can't, as all you have given me is rude comments. So consider this thread closed and I will look elsewhere for advice.

-taff

You have no idea if you actually had MPPI, who sold it to you and when. Without that information, your complaints are already over because no one here has a crystal ball.
Rude? Maybe. You on the other hand, are something else, which I won't write.

[Deleted User]

Thread closed (and complaint ended) indeed.

dunstonh

smiffy5 wrote: »

hi

well i would say thank you all for your constructive help and advice, but I can't, as all you have given me is rude comments. So consider this thread closed and I will look elsewhere for advice.

It isnt being rude. It is an overview of your situation. Look at the blunt facts.

1 - you dont know if you had PPI. So, you are asking if you complain about something you dont know you had.

2 - first case was pre 2005. So, you cannot complain about that one. Second case was post 2005, so you could complain about that one. However, it is against a mortgage broker. Mortgage brokers have a lower compliance rate and success rate against them. MPPI also has a lower success rate on complaints as it is a PPI that is generally regarded as worth having.

3 - Most MPPI is monthly premium direct debit. You were asked in post #2 if it was monthly premium or single premium. Yet you didnt answer that key question. (monthly direct debit comes from your bank account - it indicates whether you had it for starters).

Asking elsewhere is not going to help you. You are effectively asking if you were mis-sold a product that you don't know you had or not through a distribution channel that has a low complaints upheld rate for a product that has a lower complaint upheld rate and are unable to provide us any information that would indicate either way whether this hypothetical product was mis-sold or not.