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Mortgage Ppi from 2002

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I was sold a Norwich Union mortgage protection policy through an independent broker (now gone bust) in 2002. I have written to Aviva who took over Norwich Union and they have responded saying it is the responsibility of the independent broker. So I wrote to the Financial Services Compensation Scheme but they say that they can't do anything because the policy was taken out in 2002. Is there anything more I can do? Please help! Thank you

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  • Nasqueron
    Nasqueron Posts: 9,082 Forumite
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    Unfortunately not

    The broker sold the product so they have liability for the sale, not the provider. The FSCS are correct that pre-2005 it's nothing to do with them.

    If it makes you feel any better, MPPI is actually a very good product and very few complaints about it stand up to get a refund, it is there to protect the roof over your head unlike the largely useless PPI on loans / credit cards etc and very few people could legitimately say they don't need it given the length and expense of a mortgage
  • dunstonh
    dunstonh Posts: 116,707 Forumite
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    I was sold a Norwich Union mortgage protection policy through an independent broker (now gone bust) in 2002.

    That will not likely be PPI. It will likely be life assurance.
    I have written to Aviva who took over Norwich Union and they have responded saying it is the responsibility of the independent broker.

    Correct.
    . So I wrote to the Financial Services Compensation Scheme but they say that they can't do anything because the policy was taken out in 2002.

    Also correct.
    Is there anything more I can do?

    No.
    It probably isnt PPI (that name is used for life assurance). Not that it matters if it is as
    1 - It was sold by an IFA (who account for under 1% of complaints at the FOS with most of those rejected)
    2 - it is covering a mortgage. Most mortgage insurance complaints are rejected

    Give up. Its game over and almost certainly was never an issue.
    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.
  • tidyfinance
    tidyfinance Posts: 106 Forumite
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    As always dunstonh, straight to the point which is what we all want. I'm now guessing that this will be the same scenario for me.
    I have PM'd you dunstonh so unless I recieve an answer I will assume this advice applies to me also.
    My question was that if I had PPI it would have been in relation to a mortgage (so not applicable?) but moreover I'm talking going back to 1981!!!!!!
    Excellent posts as always guys, thank you.
  • -taff
    -taff Posts: 14,610 Forumite
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    There wasn't PPI in 1981 for mortgages.

    Probably best to start a new thread and not PM people.
    Shampoo? No thanks, I'll have real poo...
  • Nasqueron
    Nasqueron Posts: 9,082 Forumite
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    As always dunstonh, straight to the point which is what we all want. I'm now guessing that this will be the same scenario for me.
    I have PM'd you dunstonh so unless I recieve an answer I will assume this advice applies to me also.
    My question was that if I had PPI it would have been in relation to a mortgage (so not applicable?) but moreover I'm talking going back to 1981!!!!!!
    Excellent posts as always guys, thank you.

    PPI was a mid 80s product, popular in late 80s

    Any insurance on that would be life insurance or MIG or similar none of which are reclaimable (obviously if you are immortal then life insurance is worthless)
  • tidyfinance
    tidyfinance Posts: 106 Forumite
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    Guys I agree regarding PMing folk, however in my PM I advised that I only did that after looking for ages to try to find the appropriate forum, not having been on here for a while.
    But yes, I agree.
    Sounds lik I would be going down a dead end then regarding any mis-sold PPI for me - which is fine.
    Thanks for your replies.
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