Is self assurance mortgage insurance PPI

magpiecottage

dunstonh wrote: »

i like this one too as the person complaining said they has dyslexia and he was unable to write a letter and therefore he left the PPI policy in place

Maybe it was IPP not PPI (i.e. a long term Income Protection Plan) not short term Payment Protection Insurance).

That could also apply to the OP as Scottish Provident does offer such a product which used to be a very good one when I advised.

However, if it is a pre 2005 plan then the product would have been outside the scope of both FOS and the General Insurance Standards Council's codes.

aunt_sally

When we moved our mortgage to Bradford and Bingley we were told we had to take a policy out with Scottish Provident and to be honest it was not until we came to pay our mortgage off that we realised it was still in place as we did have other policies with them. To be honest we never thought we needed it and as we thought we never did as my husband had been in work continuous for many years and I had returned to work after a family gap. We were paying £21.23 pm over a 10 year period and we would like to know if there is a claim there for any miss-selling. Of course the Bradford and Bingley are no longer in business and we had already moved our mortgage to the Yorkshire prior to this occurrence so not sure were if anywhere we stand.


Regards

dunstonh

. To be honest we never thought we needed it and as we thought we never did as my husband had been in work continuous for many years and I had returned to work after a family gap.

So, you are suggesting you are immortal and that death was not a possibility?

We were paying £21.23 pm over a 10 year period and we would like to know if there is a claim there for any miss-selling.

if you are immortal then you can claim mis-sale. If you are not immortal then its difficult to see how you can complain about life assurance being unsuitable for you.