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can I claim ppi?
kajane1956
Posts: 10 Forumite
Took out a mortgage in 2000 and remortgaged in 2010. Am still currently paying two lots of PPI for both mortgages at £10.45 & £10.27 per month.
The main question I have is that as I was only 22 when my mortgage was taken out, my dad had to be a guarantor. My dad had never financially made any payments towards the mortgage. Do I have to get my dads permission to claim? Can I claim any PPI back at all.? My mortgage papers indicate my Ppi could have come off after one year. Am I too late?
Any help much appreciated.
The main question I have is that as I was only 22 when my mortgage was taken out, my dad had to be a guarantor. My dad had never financially made any payments towards the mortgage. Do I have to get my dads permission to claim? Can I claim any PPI back at all.? My mortgage papers indicate my Ppi could have come off after one year. Am I too late?
Any help much appreciated.
0
Comments
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You don't need anyone's permission to complain about mis-sold PPI. However, nothing you have said indicates that your PPI was in any way mis-sold.
If you are still paying two lots of PPI, then why haven't you cancelled one of them?0 -
Find out what the PPI is first...phone and ask what it covers.Non me fac calcitrare tuum culi0
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Do I have to get my dads permission to claim?
No.Can I claim any PPI back at all.?
You have the right to complain about anything you like. However, most MPPI complaints fail. So, right to complain and likelihood of having a successful or valid complaint are different things.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Moneyineptitude wrote: »You don't need anyone's permission to complain about mis-sold PPI. However, nothing you have said indicates that your PPI was in any way mis-sold.
If you are still paying two lots of PPI, then why haven't you cancelled one of them?
Could be that the second mortgage was higher and a second policy was set up to cover the difference in repayment.0
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