PPI claim NRAM advice please

Pe011j3496

Hi folks i need a bit of advice here regarding ppi claim from nram, myself + my hubby got a mortgage 2005 but in 2010 we lost our jobs,2011/12 it was brought to our attention that we should have a policy in place to help us with payments but was advised from nram to pay £xxx, so last year i was told it was possible that i did have ppi policy + i should claim for the money back so thats what we done + i was told from nram the policy was terminated 9 months into the mortgage,so i enquired further and they told me the direct debit was cancelled,all our household bills came out of my husbands account and i had no authority over it so i didnt cancel it and my hubby left the house 7am to go to work and only got home after 5pm which the banks would have been shut by then and they are not open on a sat/sun so there is no way he could have cancelled it,can anybody advise me on what i can do now i just feel like nram dont want to take responsibility for there actions and pay back what they are owing people(i sold my house back to the local council so nram got back more money than what we borrowed it actually looks as if we never paid anything to the mortgage).

[Deleted User]

If the PPI was cancelled, you cannot claim on the policy.

If you have mis sale reasons, that is a separate issue.

Nasqueron

You have been told you had a policy cancelled after 9 months. Do you have any evidence that contradicts this such as bank statements showing the payment or an annual statement?


The fact your husband may not have been able to physically go to the bank (lunch hour/holiday/half day etc?) doesn't stop him from cancelling it. He could have phoned or written to them or done it online. Which banks are not open on a Saturday (at least in the morning)?


You will always pay back more than you borrow with a mortgage, that's how interest rates work.


Nobody is owed anything - if your policy was cancelled after 9 months then it did not cover you so no claim is possible. You could try a complaint that the policy wasn't suitable but I doubt such a recent sale would have given you a policy that wasn't.

Pe011j3496

Clydesdale bank where we stay isnt open on a sat morning + my husband worked in london a lot + down there there is no clydesdale banks + in 2006 there wasnt any internet banking not that i know of + my husband isnt good at writing in english + i certainly didnt write any letters and get him to sign it

foxtrotoscar_2

Pe011j3496 wrote: »

Clydesdale bank where we stay isnt open on a sat morning + my husband worked in london a lot + down there there is no clydesdale banks + in 2006 there wasnt any internet banking not that i know of + my husband isnt good at writing in english + i certainly didnt write any letters and get him to sign it

There certainly was internet banking in 2006.

Nasqueron

Pe011j3496 wrote: »

Clydesdale bank where we stay isnt open on a sat morning + my husband worked in london a lot + down there there is no clydesdale banks + in 2006 there wasnt any internet banking not that i know of + my husband isnt good at writing in english + i certainly didnt write any letters and get him to sign it

I'd get the "ducks in a row" as they say before progressing any further.


Your husband could have phoned and cancelled (his work situation did not prevent him from doing that). He could have written (ditto). It might have been a free policy that ran for 9 months that you could pay to continue.


As above internet banking was very much active in 2006 (whether Clydesdale was I couldn't say). Nationwide had online banking in May 1997 and RBS soon after in June 1997

[Deleted User]

Pe011j3496 wrote: »

Clydesdale bank where we stay isnt open on a sat morning + my husband worked in london a lot + down there there is no clydesdale banks + in 2006 there wasnt any internet banking not that i know of + my husband isnt good at writing in english + i certainly didnt write any letters and get him to sign it

None of this is proof positive that you didn't cancel the policy.

The Bank's records say you cancelled, you claim that you did not/could not.

I sincerely doubt you'll get any further simply with that argument. In order to progress you'll need to provide positive proof that you continued paying the policy after the initial nine months. If you cannot provide such proof of payment, your "complaint" has already failed.

Sorry.