Old PPI Claim

dunstonh

stitch13 wrote: »

...and please don't keep telling me that it is not hidden !....IT WAS A HIDDEN PAYMENT !

How did your balance increase then if it was hidden?

-taff

stitch13 wrote: »

My argument is that if there is PPI on those payments then I did not ask for it....therefore it was put there without my consent.

PPI on a mortgage is completely different, and your personal circumstances [that you had several dependants] means you did need it.

Mortgage PPI is completely different to loan or credit card PPI. You have a much less chance of using 'you didn't need or want it' as a reason for missale because unless you had the funds in a savings account or life insurance elsewhere to pay it off, you did.

PPI on credit cards is NEVER hidden. It shows as a separate payment on every statement with an outstanding balance. The oinly way you could have been paid for that is if they just auto-paid you anyway because the volume fo complaints meant investigating wasn't feasible, and the amounts are typically up to two thousand pounds -ish....


You will have discussed it, or been told about it or agreed to it, you just don't remember. If you try and use the argument that you didn't know about it, then beware them finding a document with your signature on it to say you did.

roonaldo

Stich13 are you talking about credit card ppi or mortgage ppi?? your post started about mortgage ppi then you start talking about credit card ppi. Neither are the same so dont confuse them. Just because you had a payout on a credit card PPI doesnt mean you will on mortgage ppi.

credit card ppi appears on monthly statements so its not hidden.

a monthly mortgage ppi is often paid seperately to mortgage payments, some lenders used to collect it with mortgage payment but would appear on statements, its never hidden. but you said in your first post that you dont even know if you had PPI with your mortgage. so if you think the PPI was hidden on your mortgage, its probably that you dont have it.

misschicken

stitch13 wrote: »

However they seem to know a lot about the mortagage....including my monthly payments ??? So they must have some paperwork !

If you want to know exactly what paperwork they do have then you need to send them an SAR and £10 and you will receive all records within 40 days. Sometimes they do have more archived records than originally thought, sometimes not - but that way you'll know for sure.

And if you were receiving normal itemised credit card statements showing your balance, interest etc then something would have have been on there for the PPI or the statements simply wouldn't have added up. PPI was also called other vague wooly names like Card Care etc. The one other product which might have shown up on your card once a year, so harder to spot, is CPP - which is a different mis-sold product which is also being refunded. How do you know you've been refunded the right amount? Did they give you a breakdown of the refund?