PPI on a mortgage, that was shared wit an ex partner

Russellw99

My partner is fairly certain she paid PPI on a mortgage she had with her previous partner. She had being paying off the mortgage for approx 6 years.

My partner was taken off the mortgage when they split up, approx 8 years ago.

She would like to claim back the PPI now but doesn't want the hassle of dealing with her ex.

I must get a call a day from a company offering to help me claim back PPI (and I know you can do it yourself with forms off this site), but could any of those companies help in this situation?

[Deleted User]

They can buy the stamp for you and pop your form in the box.

What are her reasons for mis sale?

Nasqueron

A claims company simply fills in a form and posts it off with a bunch of vague claims that may not apply to you.

You could print off the form and do it yourself for free

However please note the below:

A complaint (not claim) for PPI miss-sale on a joint policy must be a joint thing. How do you know her ex-partner doesn't want the policy running? MPPI can save your house from being repossessed if you lose your job or are unable to work. If her ex has the mortgage and policy then they might refuse any such complaint if they want the policy.

Are you sure it was MPPI anyway and not say life insurance or critical illness?

Given it's 8 years since she came off she might well be time barred

Russellw99

I could quite easily fill in the form, but it's the dealing with the ex that's the issue - getting a company to do all that would take away the hassle.

Carrot007

They will not deal with the ex. They will just send you forms for them to sign.

And then they will take a third for doing not much.

Nasqueron

Russellw99 wrote: »

I could quite easily fill in the form, but it's the dealing with the ex that's the issue - getting a company to do all that would take away the hassle.

If you're really desperate to give away 1/3 of any refund, yes.

As per previous comment, you are complaining you were miss-sold the product, not claiming it back.

Why do you feel it was miss-sold?
What documentary evidence can you produce?
Are you sure it was PPI not life/CI insurance?

Are you even sure the ex even wants to complain as he may well be happy having the cover (reflected in the fact there are so few MPPI complaints and even less that are upheld)?

[Deleted User]

Russellw99 wrote: »

I could quite easily fill in the form, but it's the dealing with the ex that's the issue - getting a company to do all that would take away the hassle.

The "ex" would have to agree ( and be complicit in) any complaint and also for any Complaint Handler to represent them.
The most likely outcome is that the OP will engage a company and then pay ALL that company's fees: with the ex receiving 50% of any redress and paying no fees.

Avoid.

dunstonh

Russellw99 wrote: »

I could quite easily fill in the form, but it's the dealing with the ex that's the issue - getting a company to do all that would take away the hassle.

Firstly, using a claims company will not take away the hassle. It is also a dangerous thing to do. If the complaint is successful, the claims company will bill your partner for their percentage plus VAT at 20% against the full amount of the redress. However, your partner may not see a penny of the redress or may only get half. The ex could get the full amount or half amount but will not be liable for the claims company fee as they did not employ the claims company.

Secondly, claims companies do not take away any hassle. Plus, they have a lower success rate.