Mortgage PPI

Edward_the_cat

I was mis sold PPI by the Nationwide back in 1992. There was no documentation completed nor was there an advice given on PPI, it was just automatically added with the mortgage. The Nationwide has accepted it was mis sold and offered back the premiums in full. The problem is that it was a joint mortgage and my partner and I have since separated, the Nationwide are offering the premiums back 50% to each partner. The premiums were paid in full by myself and considering the policy should never have been in place in the first instance, should the premiums not be repaid to the person to which they had been mistakenly took the money from? My separation was subject to a court order which my partner had to sign the house over to me with no financial benefit to him, needless to say we are not on speaking terms and he would not sign the forms agreeing I am entitled to my money back

[Deleted User]

Edward_the_cat wrote: »

the Nationwide are offering the premiums back 50% to each partner. The premiums were paid in full by myself and considering the policy should never have been in place in the first instance, should the premiums not be repaid to the person to which they had been mistakenly took the money from?

No, legally the money goes equally to the joint holders of the policy. You'd need to liaise with your ex-husband to have the other 50% released to him and then he'd have to pay it to you.

Sorry if that's not what you want to hear...

dunstonh

The premiums were paid in full by myself and considering the policy should never have been in place in the first instance, should the premiums not be repaid to the person to which they had been mistakenly took the money from?

If its a joint policy then the joint holders have a right to their share. It doesnt matter who paid the direct debit. The ownership of the policy is what matters.