Starting multiple claims. Quick questions..

BuzzKillington

I'm just beginning a claim on PPI from several loans from a very long time ago. This action was suggested to me by the bank in question. (The account has been closed long ago)

All I have been able to obtain from them, info-wise, is the account numbers for the loans and four PPI product numbers.

Do I need make a seperate claim for each product number (as in, write each PPI number as a seperate letter and start several cases) or can it all be taken care of in one claim?
They are all with the same bank.

Congrats to those who have made claims so far.
Thanks in advance for any help/advice.

dunstonh

Do I need make a seperate claim for each product number (as in, write each PPI number as a seperate letter and start several cases) or can it all be taken care of in one claim?

You can make one complaint but chances are your complaint reasons are going to be different each time. e.g. its unlikely you used the same staff member for each loan and conversations would be different. Although if you have stronger complaint reasons,such as eligibility or need, then you dont really need to go beyond those.

lilly16

sorry,and i know this of no help to question being asked, but who do ppi claims actually need to be made to..the lender with whom mortgage is with..the insurance company,whom we've never had contact with but their protection package was sold along with mortgage,or the mortgage advice people (now since closed) but made us feel it was more or less compulsory to take insurance policies out or we would not be elligible for getting a mortgage? with many thanks for replys

societys_child

You complain to whoever sold you the policy, which in your case sounds like "the mortgage advice people"?.

dunstonh

lilly16 wrote: »

sorry,and i know this of no help to question being asked, but who do ppi claims actually need to be made to..the lender with whom mortgage is with..the insurance company,whom we've never had contact with but their protection package was sold along with mortgage,or the mortgage advice people (now since closed) but made us feel it was more or less compulsory to take insurance policies out or we would not be elligible for getting a mortgage? with many thanks for replys

You complain to the seller. The lender or insurer has no liability for the sale unless it was one of their staff or agents that sold it.

Most mortgage insurance complaints are rejected. Most mortgage adviser complaints are rejected. last stats I saw from the FSCS showed they only upheld 5% of complaints against mortgage advisers. Your complaint reason is as weak as they can get.

If you bought before January 2005, it is game over as its pre-regulation. If you bought after January 2005 then you complain to the FSCS. The FSCS is not as consumer biased as the FOS. It looks at the evidence available. Most people have no evidence on complaints like yours so it looks at financial need instead. If you had a financial need for it then your complaint is rejected. If you didnt have a financial need then its upheld. Most people need insurance on their mortgage and that is why most are rejected.

What evidence do you to support your allegations?
Did you have a financial need of the insurance?
What type of insurance is it? (e..g life assurance)