Help required please - PPI reclaim D+D Homecare

mc1975

Hi all

Firstly, please excuse my ignorance as I am not very financially minded.

In Sept 2006, my husband and I remortgaged our home with AWD Finance (as was). As part of the mortgage we were advised that we would need PPI to the value of £9870 which we added to the term of the mortgage as there was no way we could afford that lump sum.

Now, I have the original Schedule of Insurance which says that the policy ended on 24/08/2013. But, I think we still have the policies in place as we continue to pay Legal and General (I think these took over from D+D?) for these products (we pay a total of four different DD for Life Cover, Crititcal Illness Cover, Income Protection and Unemployment cover!!!......we don't feel that we need all of these but have been wary of cancelling any of them yet).

We received a letter last year from Carrington Carr to say that it is possible we were missold the PPI and gave us a firm of solicitors through which to proceed with a claim. However, we would like to try and do this ourselves.

Please bear with me as I have a few questions....

1) Who do I need to claim from? I'm not sure I understand it from reading a few older forum threads, is it Legal and General? or is it Carrington Carr (not even sure that they are still going)?

2) Is it the £9870 that I am claiming for (plus interest)? Or is it for the policies that we continue to pay for as well?

3) In order to claim, do I complete the form that I obtain from the Financial Ombudsman?

Apologies again for what are probably very stupid questions, all and any help much appreciated.

Thank you,
Michelle

mc1975

Sorry....more to add to the saga...

Having just sat down and gone through a lot of paperwork, it appears that in October 2009 following advice from Carrington Carr, we changed the policies that were in place from D+D Homecare Services to Legal and General........again , 4 different policies (these must be the ones that we pay for now).

I'm just so confused right now :-(

Does this mean that we disregard any claim to do with the original policy from D+D and now need to claim from Legal and General?

I'm so sorry, I'm just really confused and not sure of what I need to do.

magpiecottage

Carrington Carr and AWD seem to be connected in some way. They were both Appointed Representatives of Legal & General in 2006 so that is who you need to complain to.

Also, check whether at the time you paid a fee for "future mortgage advice". Again this bad - partly because they cannot deliver on it and partly because you had to borrow more (and pay interest on more) than would otherwise have been the case.

mc1975

Thank you so much for your reply.

I remember at the time them saying that they were there for further advice but not sure if it was paid for?....will check through my paperwork.

So am I right in thinking that it is the second set of PPI that I need to reclaim, rather than the first (which was added to the mortgage)?

Also, is it the FOS form that I need to fill out or do I speak to Legal and General direct first? Sorry.....just very confused.

Many thanks :-)

dunstonh

When you make your complaint to L&G, I would suggest you add the fact that carrington carr told you to use a claims company of their recommending. That is wrong and I am sure L&G would not be at all impressed.

lso, is it the FOS form that I need to fill out or do I speak to Legal and General direct first?

use the FOS form as it has all the questions that are likely to be needed.

So am I right in thinking that it is the second set of PPI that I need to reclaim, rather than the first (which was added to the mortgage)?

The second one seems to be set up correctly. The single premium is the one set up wrongly.

mc1975

That's brilliant. Thank you :-)

mc1975

I have looked through my paperwork and it does seem that we were charged for the advice given (fair enough) and also any further financial advice in the future. It was an initial payment plus a percentage of the loan.

dunstonh

That further advice in future is bad. You should complain about that too as per earlier post.

mc1975

Hi. Sorry, another question (hopefully the last as I get my head around all this).

I am going to write to Legal and General (still trying to find the address to write to.....not having much success on Google or L&G website). Is this right, even though the policy was provided by D&D Homecare? Is it because AWD (who sold us the policy) were acting on behalf of L&G? Even though the policy was provided by D&D?

So confused, but just want to make sure I write to the correct people.

So sorry again for more questions :-(

mc1975

Well, I sent my forms and letter off to Legal and General today :-)

Still not sure if I've sent them to the right people (as the PPI was from D&D Homecare) so will wait and see what their response is....fingers crossed :-)

On a side note, have also managed to find paperwork for my Natwest loan from Jan 2004 on which I paid a single premium PPI so gave filled out another set of forms and they will be posted tomorrow.

dunstonh

Still not sure if I've sent them to the right people (as the PPI was from D&D Homecare)

The provider did not sell it to you. An agent of L&G sold it.