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PPI claim from a company that has ceased trading

HT61
HT61 Posts: 1 Newbie
in Reclaim PPI & other insurance
I have recently found some paperwork for an income replacer that my husband took out in 1996 this has PPI added to it, we stopped paying for this policy not sure when so we do not have any recent correspondence. The problem is the company has ceased trading which was N & P Insurance and Investment services ltd. How do I find who is now responsible for this company to make a PPI claim, has anyone experienced the same problem any suggestions

Comments

  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    After 20 years this would be a no go, you have no paperwork, the company has ceased trading and they would not have been regulated anyway in 96.
  • Malteeser
    Malteeser Posts: 3 Newbie
    How do I go about claiming a refund for missold PPI from Bristol and West who was taken over by Britannia who in turn was taken over by the Cooperative bank?

    Thanks for any help.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You dont. You make a cmplaint and provide documents to prove your complaint.

    And you should start a thread of your own, really. It's not done to hijack one
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • antrobus
    antrobus Posts: 17,386 Forumite
    Malteeser wrote: »
    How do I go about claiming a refund for missold PPI from Bristol and West who was taken over by Britannia who in turn was taken over by the Cooperative bank?

    Thanks for any help.

    No. Bristol and West was taken over by the Bank of Ireland. The BOI later sold the savings business and the branch network to Britannia, but the loans remained with BOI.

    Hence any complaint regarding the sale of PPI should be directed to the Bank of Ireland.
  • antrobus
    antrobus Posts: 17,386 Forumite
    HT61 wrote: »
    I have recently found some paperwork for an income replacer that my husband took out in 1996 this has PPI added to it, we stopped paying for this policy not sure when so we do not have any recent correspondence. ...

    As far as I'm aware 'income replacer' is an insurance policy designed to replace your working income should you be off work. I don't understand how you can have PPI added to an insurance policy that is PPI?
  • dunstonh
    dunstonh Posts: 121,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I have recently found some paperwork for an income replacer that my husband took out in 1996 this has PPI added to it

    That does not make any sense. PPI is a budget form of income replacement. Whereas income replacement offered by life companies is full income protection and would not have PPI added to it.

    Can you give the description of what you think this actually covers as I am guessing you are mixing things up. If it was a multi-segment plan, then its possible it had waiver of premium but that is not PPI.

    Anyway, non-investment backed insurance was not regulated until Jan 2005 and the company you mention don't exist any more. So, you have no-one to complain to.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Malteeser
    Malteeser Posts: 3 Newbie
    McKneff wrote: »
    You dont. You make a cmplaint and provide documents to prove your complaint.

    And you should start a thread of your own, really. It's not done to hijack one
    So sorry - not used to using a forum and thought I had started my own thread. Will be more careful next time. Thanks for your advice.
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