PPI claim do i need to give my ex any cash?

lisa44

I recently got an offer on a PPI claim. I was the main account holder with my ex-partner named on the claim. They will only give information to me and pay all the money directly to me. Am I obliged to contact my ex-partner and pay him any cash? Legally or otherwise? Or as the bank has paid to me am I legally entitled to it all? They have advised if he calls them they cannot divulge any information. Help!

dunstonh

What you describe does not sound like a joint account. In which case the other party has no legal right or authority.

lisa44

Thanks for the quick reply.
The loan was with RBS and i was the primary name on the loan and RBS would only deal with me, although my partners name was on the loan.
Does your advice still stand?
What constitutes a joint account when it comes to a loan?

Thanks again.

dunstonh

A joint account is when you are both named on it.

The one that often confuses people is credit card. In that case, these are not joint. Any additional card-holder is on the primary persons account.

In your case, with two names on the loan, that sounds joint and you would expect it to be joint and the information from the bank does not seem correct. If the ex partner is equally liable for the debt then they are equally entitled to half the redress unless they have been removed from the debt.