Possible fraudulent PPI situation - where to start?

ambc

I'm trying to find out whether a PPI claim has been made in my name (potentially fraudulently!) and I'm not 100% sure where to start.

Ok, some background. My ex wife contacted me earlier this year to tell me she was putting a claim in for PPI on some accounts we held jointly when we were married, including a couple of mortgages.

She initiated the claim with a PPI company and they sent her, via email, electronic documents for us both to sign. She forwarded me my document, but I'd noticed that while it did have my name on it, it used her contact details. I queried this and didn't get a reply, so I didn't ever sign the document.

However, it's just dawned on me that there wasn't anything stopping her from electronically 'signing' this document and continuing with the claim. (As an aside, she had no problem opening catalogue accounts in my name against my knowledge - and defaulting on them! - when we were married, so I can only assume she did sign it without telling me.)

I've contact the PPI company who are suggesting that 'I' wasn't ever their client so they can't help me. My ex wife has since decided to become uncontactable (at least to me) so that's no help either, not that she'd own up to it!

Essentially, I have a claim reference number and a named person at the PPI company - and I want to know if that claim ever went ahead and whether any money was paid.

Is there any way I can find out this information?

Thanks.

Nasqueron

The bank, if they agree to uphold, should pay 50% to each party - your ex will have to pay the PPI firm their full bill out of her half, your half is yours to keep. You have no contract with them so owe them nothing. Speak to the bank and ask them as they would pay out and you are / were their client so are entitled to know. You could force the PPI firm to send you what they have on you with a £10 DSAR (assuming it was a joint account they must know you had to have been involved even if you didn't agree and she forged it) but be better to just start with the bank and ask if they paid anything, then pursue her for the money.

A lot depends when she sent it, if not that long ago it might be with the bank or they rejected it and CMC pushed it to the FOS.

To reiterate though, she has to pay the CMC from her refund, your share is yours to keep no matter what she claims.

ambc

Ah, ok. So if the claim was successful, the bank would only have paid her 50% anyway, and not the full amount of the joint claim?

That makes sense, thanks - I'll contact them.

Nasqueron

ambc wrote: »

Ah, ok. So if the claim was successful, the bank would only have paid her 50% anyway, and not the full amount of the joint claim?

That makes sense, thanks - I'll contact them.

Assuming she didn't do some sort of dodgy deal or they made a mistake yes - but it is possible there was no payout either - if bank rejected the CMC would always refer to the FOS which could mean a wait of 12-18 months - but yes check with the bank, see if they paid anything and get your 50%