PPI Claim - Which Insurance to Claim Against?

Celtic67

I'm looking at a possible PPI claim, but I'm not at all sure who the claim should be against. I'll provide a few details below & would be grateful for any advice.


We moved into our current house in 2005 and took out a mortgage with Britannia, including taking Mortgage Decreasing Term Assurance from Legal & General, which covered the whole of the mortgage against critical illness or death.


With my girlfriend's (now wife) previous mortgage, she'd had Mortage PaymentCover from Cardif Pinnacle, which we cancelled and changed to a joint policy to cover the new mortgage. We don't have much detail on this, but it says it covered Accident, Sickness, Unemployment.


In March 2008, we realised we had 2 policies covering us & decided to cancel the one with Cardif Pinnacle.


I rang Cardif Pinnacle, who said I needed to speak to Santander, who've taken over Alliance & Leicester. The original CP policy was for my wife's A&L mortgage, but the joint policy wasn't, so I don't see how Santander could be the right people to claim against.


Or am I looking at this the wrong way and should be claiming against Britannia/Legal & General as the CP policy already covered us for the things their policy covered? I forget detail, but I suspect we cancelled the CP policy as L&G were cheaper and we didn't feel we needed redundancy protection as we were both in the public sector, which was quite secure back then.


As the CP policy doesn't mention death benefit, which the L&G one does, would we need to prove an alternative death policy? My wife definitely has one, though it may not cover the whole mortgage. I am fairly sure I get death benefit through my work or UNISON. If that was the way to go, I'd get that confirmed.


Or is it just our own fault for not realising we had 2 policies covering similar things?

roonaldo

You have one life and critical illness policy. The other one is a PPI and you've cancelled it. Nothing wrong with this and they are not similar.

dunstonh

so I don't see how Santander could be the right people to claim against.

If you complain, you are complaining about the sale. Not the product. So, if Santander sold it, then that is who you complain to.

Or am I looking at this the wrong way and should be claiming against Britannia/Legal & General as the CP policy already covered us for the things their policy covered?

The L&G policy is not PPI. So, it has no overlap with PPI and has nothing to do with it.

As the CP policy doesn't mention death benefit, which the L&G one does, would we need to prove an alternative death policy?

As you are not comparing like for like, it doesnt matter. It appears you have mixed up two different types of policies to assume they are the same thing when they are not.

Or is it just our own fault for not realising we had 2 policies covering similar things?

It seems you dont have two policies covering similar things.

Celtic67

Thanks for the replies.


As the mortgage started in 2005 was with Britannia and the CP PPI policy was already in effect, just altered to suit the new mortgage, I'm guessing it wasn't sold as compulsory. I've got no details of why we moved this over to the new mortgage, so I guess I can't raise a claim on any other grounds.


So basically no claim, then? No problem with that, just thought it was worth a look.

dunstonh

I am struggling to see any complaint reason. Life & CI policies are different to PPI. So, your initial thoughts of overlap don't apply.