PPI claim without ANY documents. Can it be done?

addedvaluebob

Yes it is. And you know it is. So, not sure why you are saying otherwise.

Disturbance is fine, making someone feel pressured or scared is different I thought the difference was clear

Verbal allegations are the weakest form of complaint.

But the post I was replying to said that evidence was required, which is untrue

That is not correct for MPPI. The product that is being talked about on this thread.

In your own words Dunston

Mortgage protection is a generic term to cover insurances that can be used in connection with a mortgage. Some life assurance plans call themselves mortgage protection. So, was this MPPI or some other insurance?

My point is that we don't know the policy details or the benefits or anything about it yet have told the OP it was not mis-sold


Despite having records the companies lose 70% of all PPI complaints

That is not correct for MPPI. The product that is being talked about on this thread.

But they still uphold 50% of MPPI complaints first time. Whatever stat you care to refer to, verbal complaints are regularly upheld

addedvaluebob

To anyone reading this thread please note the response from insider 101 as someone within the industry who clearly thinks they represent the companies responsible for selling these products and turning down complaints

ali-t

I gave a copy of my credit report to a PPI company and got it back on my mortgage from alliance and Leicester this year on a mortgage that was taken out 13 years ago. I didn't give them any of my original paperwork. No harm in trying.

Insider101

You claim to be old enough to be retired yet time and again you make arguments that are either utter nonsense or a wild exercise in speculation. Some of which as per Dunstonh's post earlier, you know to be incorrect but persist with anyway. Then despite people explaining clearly why you are wrong, you then persist in trying to cast slights on the character of the many who disagree with you (I work for myself and do not have, nor have ever had, any personal interest in the outcome of PPI complaints). To listen to you, we'd think that people have nothing to fear from losing their home and anyone suggesting insurance may be a good idea is a scoundrel trying to line their own pockets. The reality is that it's one of the most important products going. I truthfully don't even think you believe some of the nonsense you come out with yourself, I think you're just trying to get a rise and if that's the case then well done, it's at least one thing you've succeeded at.

kindofagilr

Nearlyold wrote: »

Partially accurate to an extent, however you would have to have some evidence that you were told it was compulsory when it wasn't. Neither the company you complain to or FOS will just take your word for it.

Does this refer to PPI as well?

As we had PPI on a Lloyds loan (which we have since paid off), and had no paperwork at all, no account numbers and no proof we were mis-sold, yet we applied for PPI refund two years ago and received it all back with interest?

Just curious if the rules are different for other forms of protection.

Nasqueron

ali-t wrote: »

I gave a copy of my credit report to a PPI company and got it back on my mortgage from alliance and Leicester this year on a mortgage that was taken out 13 years ago. I didn't give them any of my original paperwork. No harm in trying.

And you can do exactly the same with exactly the same result by doing it yourself and not losing a significant chunk of your refund.

Nasqueron

kindofagilr wrote: »

Does this refer to PPI as well?

As we had PPI on a Lloyds loan (which we have since paid off), and had no paperwork at all, no account numbers and no proof we were mis-sold, yet we applied for PPI refund two years ago and received it all back with interest?

Just curious if the rules are different for other forms of protection.

They either have a limit below which they will autopay without investigation or, given the tax payer still owns a big chunk of the bank and thus the private sector workers are effectively (indirectly) paying for it, they might as well pay it out before they go fully private and have to pay out themselves

ali-t

Nasqueron wrote: »

And you can do exactly the same with exactly the same result by doing it yourself and not losing a significant chunk of your refund.

I have had at least 20 credit cards and loans over the years and didn't think I had PPI on any of them so wanted someone else to do the leg work. As it turns out I didn't have PPI on any of them and it was my mortgage that I received the payment for. If I had done it myself I wouldn't have checked the mortgage so would have received nothing.

Nasqueron

ali-t wrote: »

I have had at least 20 credit cards and loans over the years and didn't think I had PPI on any of them so wanted someone else to do the leg work. As it turns out I didn't have PPI on any of them and it was my mortgage that I received the payment for. If I had done it myself I wouldn't have checked the mortgage so would have received nothing.

Regardless of the above you paid a firm a significant chunk of refund just to post off letters to lenders - that is why this site rightly does not recommend CMCs - they do nothing that you can't do yourself.

Think of it as a very expensive way of saving yourself 10 minutes to ring up the banks and ask them to investigate.

addedvaluebob

Insider101 wrote: »

You claim to be old enough to be retired yet time and again you make arguments that are either utter nonsense or a wild exercise in speculation. Some of which as per Dunstonh's post earlier, you know to be incorrect but persist with anyway. Then despite people explaining clearly why you are wrong, you then persist in trying to cast slights on the character of the many who disagree with you (I work for myself and do not have, nor have ever had, any personal interest in the outcome of PPI complaints). To listen to you, we'd think that people have nothing to fear from losing their home and anyone suggesting insurance may be a good idea is a scoundrel trying to line their own pockets. The reality is that it's one of the most important products going. I truthfully don't even think you believe some of the nonsense you come out with yourself, I think you're just trying to get a rise and if that's the case then well done, it's at least one thing you've succeeded at.

I don't claim to be old. I am. Dunston makes points in response to my comments but nothing disproves my statements and assertions that posters on here make conclusions based on inadequate information. This in turn can lead to posters getting an incorrect idea about their chances of success in making a claim for any mis_sold product. Your opinion of my opinion is entirely irrelevant. This is a public forum.