ppi claim please HELP!!!!!!!!!!!!!

anna22

hi all......i have a question i took mortgage in 2008 from Tipton company and on that time our mortgage adviser told me that i HAVE to take a life policy( which is called on the documents as criticall ilnes cover with life)because on that time we didnt have a credit history he said if we dont take a this insurance any of the banks want give as a mortgage!!! ive asked himwhat tipe of life cover we need to take and he said that we need to inshure our mortgage in case if one of us die insurance company will pay justt mortgage off......so i asked again if i have to take that and he said if i dont then our mortgage application will be refused so i said i will take that inshurance. The morgage adviser told me that one company is the best and its colled Bupa.......i said thats fine.....and until now i am paing lots of money for that inshurance because i though that i have to!!!!!no i just dont know if i can claim PPI because i have a mortgage with Tipton and inshurance with Bupa please please please for advice .......

dunstonh

no i just dont know if i can claim PPI because i have a mortgage with Tipton and inshurance with Bupa please please please for advice .......

It is not PPI. It is life assurance. So, you cannot claim on PPI if you dont have PPI.

If you can prove what you have said, then it was mis-sold. However, chances are you cannot prove any of it. In which case, they would look at whether you needed it or not. You mention "we" which suggests you have a partner/spouse. If so, you would have a need for it and any complaint would be rejected.

The vast majority of people take out life assurance or life assurance with critical illness cover to protect their mortgage as it is common sense to do so.

anna22

yes i can prove as my sister was with me and she was buying a house at the same time as me and the same mortgage adviser sold her the same tipe of policy.......and i fell like he realy muged us off if you know what i mean....at list he could give us a choice to by this tipe of policy but not he didnt he said that we Have to get Bupa policy other way we want get a mortgage....and what is the worst i am still paing to Bupa fortune because i though i have to....if i decide to aply for ppi should i send form to tipton or bupa????

dunstonh

es i can prove as my sister was with me and she was buying a house at the same time as me and the same mortgage adviser sold her the same tipe of policy.

So you both have it in writing that you had to have it? It has to be documentary proof. Word of mouth is not enough.

at list he could give us a choice to by this tipe of policy but not he didnt he said that we Have to get Bupa policy other way we want get a mortgage

He isnt meant to give you a choice. He is to tell you which he feels is best.

and what is the worst i am still paing to Bupa fortune because i though i have to

At least you havent died.

if i decide to aply for ppi should i send form to tipton or bupa????

Its not PPI. it is life assurance. Forget PPI. This has nothing to do with PPI.

[Deleted User]

anna22 wrote: »

yes i can prove as my sister was with me

This is not in any way "proof" of what you say.You cannot use your sister's "similar" experience as evidence of wrong doing in your case. Your sister is hardly an impartial witness regardless.

anna22 wrote: »

if i decide to aply for ppi

You appear very confused. If you had PPI (which you don't), you have to make a complaint that it was somehow mis-sold to you in order for it to be refunded.
You do not "apply for PPI". PPI is not an acronym for wrong doing, it stands for Payment Protection Insurance. You have Life Insurance which is very difficult to show as mis-sold unless you are immortal.