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Bank of Cyprus & Legal and General

Hi,

After a bit of advice, I recently wrote to my the Bank that provided my mortage. At the time we were sold PPI through the bank through Legal and General.

I have all the documentation from Legal and General and statements of my payments over a decade.

I wrote to the Bank of Cyprus stating that this was missold. I received a letter today from the bank stating they have never sold PPI and they will not be taking this claim any further.

Not sure what to do now? Do I write the claim to Legal and General or do I write another letter to the Bank of Cyprus?

Thank you
Marios

Comments

  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    Bank of Cyprus Financial Services Limited is an Appointed Representative of Legal & General.

    However, if your payment history goes back as far as you say then it predates the regulation of general insurance.

    In any case, Mortgage PPI complaints are normally rejected.
  • marios84
    marios84 Posts: 5 Forumite
    Thanks.

    What would you recommend going forward?
  • dunstonh
    dunstonh Posts: 121,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    What would you recommend going forward?

    Give up. Your sale pre-dates regulation (Jan 2005).
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • -taff
    -taff Posts: 15,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You complain to whoever sold it to you, but as magpiecottage says, most MPPI complaints are rejected.
    Non me fac calcitrare tuum culi
  • marios84
    marios84 Posts: 5 Forumite
    So I have no case what so ever?
  • -taff
    -taff Posts: 15,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    complain to whoever sold it to you. If they reject it, your complaint is over.
    Non me fac calcitrare tuum culi
  • dunstonh
    dunstonh Posts: 121,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    With pre-regulation cases via a broker, it is up to the broker if they voluntarily accept to consider the complaint or not. Not many are usually willing to volunteer. However, you can ask. Just don't get your hopes you.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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