Stand alone policy

raaaar

I'm sure this has been done a million times before but I've looked and can't find an answer. I took out a mortgage with bradford and bingley about nine years ago and their mortgage sales person sold me stand alone ppi. I've been paying for that time until I got divorced a year ago. I believe I was mis sold that ppi partly on the grounds that I had a pre existing medical condition and although I disclosed that was told I'd be covered in the event of illness. I've since read that because my illness is related to my immune system I'd probably not have been covered for most illnesses. I received an annual statement which said I'd paid thousands. I've called the bradford and bingley number on there who said I didn't have ppi with them, I then called the ppi company who said I should write to bradford and bingley. I sent them the statement but got no reply. I now have no record of the payments made, it was through a joint account and I'm now divorced, the bradford and bingley deny having sold me ppi although it was their staff who sold it to me, via a third party. Any ideas how to proceed ? I now don't know who the third party was and bradford and bingley won't tell me.

[Deleted User]

raaaar wrote: »

. I've since read that because my illness is related to my immune system I'd probably not have been covered for most illnesses.

"Probably" not being covered is not a valid complaint, you need to check if you were covered or not before proceeding to complaint.

raaaar wrote: »

the bradford and bingley deny having sold me ppi although it was their staff who sold it to me, via a third party.

What "third party" was involved in the sale? Any mis-selling complaint must go to the seller of the insurance -not the provider.

raaaar wrote: »

I sent them the statement but got no reply. I now have no record of the payments made

Did you really send the Bank your the original statement rather than a copy?

Insider101

raaaar wrote: »

I now have no record of the payments made, it was through a joint account and I'm now divorced, the bradford and bingley deny having sold me ppi although it was their staff who sold it to me, via a third party. Any ideas how to proceed ? I now don't know who the third party was and bradford and bingley won't tell me.

This doesn't make any sense. Either the seller was a member of B & B staff, which would make them liable for the sale, or it was a third party, in which case they are not. Can you not remember who you actually saw when you took the mortgage?

dunstonh

B&B had an independent arm for a period. So, it wouldnt be a B&B product. However, to identify who did it, they need to find out who the product was with so they can find out the agent code.

raaaar

Sorry I haven't made myself clear. I'll try and answer the queries made in response to my vagueness.
Part of the problem now is as this transaction was in conjunction with my now ex wife she won't give me any details, she has the mortgage now. Yes, stupidly I sent the statement not a copy. The policy was sold to me by B & B staff. My reference to a third party refers to the fact that she was selling a product on behalf of a company they had dealings with, not a B & B product itself. The probably not covered reference is that the policy stated it wouldn't cover for pre existing medical conditions. However the medical condition I have and had at the time and told them as such is related to my immune system. If for I then had to make a claim for, for example, a serious infection an insurer is likely to claim I was more likely to contract that because of a pre existing medical condition and any claim would therefor be invalid.
In short I believe in relation to claims for periods of illness I was mislead to think it was worth having when I fact it was not. The person who sold the policy answered a direct question verbally that this would not affect any claim, my reading since has lead me to believe differently. Also because I sent the one bit of documentation I had off I now have no idea who the B & B were selling for.
Thank you all for your interest.

-taff

Either you ask your ex-wife [whose signature you're probably going to need if you want to complain] or you send a SAR and £10 to Santander or whoever took over the B&B mortgages.

[Deleted User]

raaaar wrote: »

I now have no idea who the B & B were selling for.

It doesn't matter, a mis-selling complaint goes to the seller not the provider.
As -taff says, you won't be able to make a complaint without the co-operation of your ex-partner.

dunstonh

The policy was sold to me by B & B staff.

That problem is that B&B operated an independent arm. Those staff didn't sell B&B products. If you had been sold a B&B product then they would be able to find it easily. At the moment, they don't know what you were sold or who with or who sold it.

My reference to a third party refers to the fact that she was selling a product on behalf of a company they had dealings with, not a B & B product itself.

They had whole of market access as any independent would. So, effectively, they are starting from the position
a) you don't know the product
b) you don't know the provider
c) you don't know the seller.

Are you even sure it is MPPI and not perhaps income protection or life assurance or Critical illness cover?

The probably not covered reference is that the policy stated it wouldn't cover for pre existing medical conditions. However the medical condition I have and had at the time and told them as such is related to my immune system. If for I then had to make a claim for, for example, a serious infection an insurer is likely to claim I was more likely to contract that because of a pre existing medical condition and any claim would therefor be invalid.

With MPPI it tends to be more flexible on cover than loan and credit card PPI. The typical position is that pre-existing conditions or any condition arising from that will not be covered. However, unrelated issues would be. Having a pre-existing condition does not necessarily invalidate the policy or make it a is-sale. It really depends on how much restriction it puts on the policy.