Mppi with nationwide. Two old accounts - closed. Joint names, but divorced now

MadamWhit

Hi
Many questions in this I'm afraid but bear with me:

Back in 2002 my ex husband and I took out a Mortgage with Nationwide and feel sure I was missold ppi as presumed it was compulsory.

I have bank statements of payments still from back then and have listed each monthly payment in a spreadsheet. I also have paperwork with mppi stated and the monthly amount to be paid, which was free for one year then in 2003 we paid up until we remortgaged as we moved home in 2006.

I'm unsure if we had mppi with the mortgage from 2006 but again this was with Nationwide and going to find out if this was included in our monthly mortgage fee. The mortgage was paid off in 2012, so there's possibly 6 years monthly payments for then.

Because the mortgages were in joint names and since 2012 we have been divorced, which was a clean break divorce, and no contact between us, can I reclaim solely or do I have to find my ex husband for authority etc?. Certainly something I don't wish to do if can be avoided as the clean break divorce allowed me to do just that break free from him completely, including financial affairs.

Also, I can see during the time mortgages were in place there were policies with Scottish Equitable, Norwich Union/Aviva and wonder if I can too get in contact with them as I was paying a monthly amount to them, which I presume was again some kind of PPI and have found paperwork relating to this being taken out and have again all payments made listed in a spreadsheet. This period of payments were from 2002 to 2012.

Can you help with my questions?

Thanks in advance.

dunstonh

Back in 2002 my ex husband and I took out a Mortgage with Nationwide and feel sure I was missold ppi as presumed it was compulsory.

There were still some mortgage deals in 2002 that did require an insurance purchase. Not many but its possible. Where it compulsory then that is allowed.

I also have paperwork with mppi stated and the monthly amount to be paid, which was free for one year then in 2003 we paid up until we remortgaged as we moved home in 2006.

Ahh. Yours is one of those deals. That makes it a bit harder as Nationwide wrote to people before the 12 months was up telling them what to do if they wanted to keep it and what to do if they didnt want to have it.

The fact it was free for 12 months and you were given the choice to have it or not after that is pretty strong evidence that you were not told it was compulsory.

I'm unsure if we had mppi with the mortgage from 2006 but again this was with Nationwide and going to find out if this was included in our monthly mortgage fee.

Nationwide only retailed standalone MPPI. It would have had its own direct debit.

Because the mortgages were in joint names and since 2012 we have been divorced, which was a clean break divorce, and no contact between us, can I reclaim solely or do I have to find my ex husband for authority etc?.

Both of you need to make the complaint and any redress that becomes payable is split between you.

Also, I can see during the time mortgages were in place there were policies with Scottish Equitable, Norwich Union/Aviva and wonder if I can too get in contact with them as I was paying a monthly amount to them, which I presume was again some kind of PPI and have found paperwork relating to this being taken out and have again all payments made listed in a spreadsheet. This period of payments were from 2002 to 2012.

Those are life assurance companies. Life assurance is not PPI.

Nasqueron

if it's a joint complaint you both have to submit the claim (or both sign the paperwork) and you would get a 50/50 split of a refund. You can't do it alone as there is no guarantee you would take the refund and pay his half


Why do you think it was miss-sold (your sole mentioned reason is either unprovable hearsay or a legal business model)? If you had lost your job or been sick for an extended period how would you have paid the mortgage to keep your home?