Reclaiming PPI- Arranged via independent financial advisor

Maggie_Stansfield

Hi, Could I ask a question about my case?
I don't know if I can claim or not.
I got my first mortgage in 2007 through an Independent Financial Advisor. I also signed up to PPI through him at the same time. He got commission for signing me up to both as I recall.
I remember that he said it was free for me to sign up, but after X number of months I would start paying. I agreed to it because I thought I should.
I then spent 1 year renovating the house and didn't think anything of this PPI, until a few years later when I noticed this payment being taken and rang the company to see what it was. On hearing it was PPI I cancelled.
I don't recall receiving any annual statements etc.
I worked for the NHS who give 6 months full sick pay and 6 months half pay, and I didn't have any dependents at the time. So in theory I didn't need PPI. My parents would have also been able to provide some financial backing.

What I don't know is would this be a claimable PPI? And if it is then who would I claim against?
If I can't claim then that's fine but I must have been paying for a few years.

Any help would be appreciated. Thanks

dunstonh

I don't recall receiving any annual statements etc.

It is not an investment. No annual statements are required.

I worked for the NHS who give 6 months full sick pay and 6 months half pay, and I didn't have any dependents at the time. So in theory I didn't need PPI. My parents would have also been able to provide some financial backing.

12 months sick pay is not an issue with MPPI. The FOS reject complaints on that basis.
MPPI has nothing to do with dependents - so not having any is not an issue.
Parental support is not a valid reason either.

What I don't know is would this be a claimable PPI? And if it is then who would I claim against?

None of your reasons are valid for MPPI.