RBS Mortgage but PPI with General Accident (now Aviva)

gavman99

Hi,

We took out an RBS mortgage back in the early 90's along with a PPI with General Accident. The mortgage was paid off in full 4 years ago and the PPI payments also stopped at the time.

It was the same sales person in branch who arranged both the mortgage and the PPI. The documentation is RBS branded but mentions "in conjunction with General Accident". It's as if RBS were acting as a broker for General Accident products.

The monthly direct debit was paid to General Accident which became CGU which became CGNU which became Aviva. All the monthly direct debit entries on our bank statements state "GA RBS", then "CGU RBS", "CGNU RBS" and finally "Aviva RBS".

My question is who is our PPI complaint against ?

Is it RBS who sold us it, or is it Aviva who ultimately inherited the policy from what was originally General Accident ?

All help appreciated, thanks.

magpiecottage

You cannot make a claim as your policy is no longer in force.

If you mean you wish to complain that the policy was missold, you need to explain why you think that.

At the time you took out your mortgage, had you lost your income through incapacity or unemployment you would have received no state assistance for nine months - by which time your lender would almost certainly have started possession proceedings and you would have probably lost your home.

So unless you can show it would not have actually paid out for some reason, the policy seems to have been a sensible thing to have.

dunstonh

We took out an RBS mortgage back in the early 90's along with a PPI with General Accident.

Are you sure that was PPI and not life assurance or income protection?

My question is who is our PPI claim against ?

Always the seller. So, RBS.

In advance of your complaint, do be aware that MPPI is one type of PPI that sees most complaints result in failure. It has fewer failings than loan or credit card PPI. So, think of your complaint reasons carefully. Assuming it is PPI.

Nasqueron

gavman99 wrote: »

Hi,

We took out an RBS mortgage back in the early 90's along with a PPI with General Accident. The mortgage was paid off in full 4 years ago and the PPI payments also stopped at the time.

It was the same sales person in branch who arranged both the mortgage and the PPI. The documentation is RBS branded but mentions "in conjunction with General Accident". It's as if RBS were acting as a broker for General Accident products.

The monthly direct debit was paid to General Accident which became CGU which became CGNU which became Aviva. All the monthly direct debit entries on our bank statements state "GA RBS", then "CGU RBS", "CGNU RBS" and finally "Aviva RBS".

My question is who is our PPI claim against ?

Is it RBS who sold us it, or is it Aviva who ultimately inherited the policy from what was originally General Accident ?

All help appreciated, thanks.

PPI claim or complaint?

If complaint, you go to whoever sold you the policy whether a broker, bank staff etc. If it was a broker back in the 90s then it's pre-regulation so wouldn't have to consider the complaint if they were still trading.

MPPI could save your home if you lost your job or were ill so what complaint reasons do you have and how would you have paid all your bills if you were sick or lost your income for a period of say a year? What proof do you have? Why did you wait 15+ years to complain about a policy you did not want? These are all questions a complaint would have to address.

gavman99

magpiecottage wrote: »

You cannot make a claim as your policy is no longer in force.

Thanks, but thats not what RBS say on their website :-

http://personal.rbs.co.uk/global/ppi.html

++++++++++++++++++
Q. Can I only complain about a policy sold to me within a certain period of time?
A. No, you can make a complaint about your policy regardless of when it was sold.
++++++++++++++++++

If something has been mis-sold, then I don't see the relevance of whether the policy is still in effect assuming it's still within the time limit for claiming.

-taff

There is a difference between a claim and a complaint.
You asked who your claim was against. You can't claim, but you can complain.

Insider101

gavman99 wrote: »

Thanks, but thats not what RBS say on their website :-

http://personal.rbs.co.uk/global/ppi.html

++++++++++++++++++
Q. Can I only complain about a policy sold to me within a certain period of time?
A. No, you can make a complaint about your policy regardless of when it was sold.
++++++++++++++++++

If something has been mis-sold, then I don't see the relevance of whether the policy is still in effect assuming it's still within the time limit for claiming.

Read the full post. You are getting confused with terminology.

A "claim" is what you make if you suffer an insured event (in this case accident, sickness or unemployment) and wish to use the cover. Obviously, this can only be made if the policy is still in force. What you are presumably looking to try and make is a complaint about the way it was sold to you. In which case you complain to the seller. A complaint goes to whoever you think has done something wrong.

gavman99

Insider101 wrote: »

Read the full post. You are getting confused with terminology.

A "claim" is what you make if you suffer an insured event (in this case accident, sickness or unemployment) and wish to use the cover. Obviously, this can only be made if the policy is still in force. What you are presumably looking to try and make is a complaint about the way it was sold to you. In which case you complain to the seller. A complaint goes to whoever you think has done something wrong.

Apologies, yes you are right, I mean complaint. So to rephrase my original question.........

My question is who is our PPI complaint against ?

Is it RBS who sold us it, or is it Aviva who ultimately inherited the policy from what was originally General Accident ?

RBS never received the monthly payments whereas GA/Aviva did.

Thanks.

dunstonh

My question is who is our PPI complaint against ?

already answered on this thread.

gavman99

dunstonh wrote: »

already answered on this thread.

Thanks. Will contact RBS about it.

PolarPlateau

Yet another company shill.
Of course you can get help paying your mortgage, from the Government's Jobseekers allowance scheme: that was why I cancelled my MPPI before I became unemployed, saved loads of money and was actually better off at statement time in December - do not let these 'professional discouragers' fool you!
Anyone, if you think you have grounds - then research, research, research, take your time to build your case: make notes, copy all your relevant paperwork - and have a go. It will cost you nothing, and could make you something.