PPI Mortgage Query

nicola_white

Hi
Looking for some advice please
I bought my first property in 2007, I used a mortgage advisor at my local Manning Staintons branch.
He did all the leg work and arranged my first mortgage at the time it was with Northern Rock (later transferred to NRAM).
At the time he told me that in order to get get my mortgage i had to take PPI (which of course was not recorded anywhere) The insurance policies were all via Legal and General as the mortgage advisor was selling on their behalf
I know i had PPI because i was told it was compulsory, however my question is as this is not recorded anywhere i guess its my word against his. I have tired once before to claim but was told there was no evidence i was told this.
However who should i be complaining against? Northern Rock / NRAM, L&G or the mortgage advisor?
Any advice would be most appreciated
Thanks in advance
Nicola

Nearlyold

You complain to the mortgage adviser firm Manning Staintons as he/they sold you the policy. However if you have already complained previously to them and received a final response they will just refer you back to their previous decision. If it is currently less than 6 months since your received the original final response you can refer your complaint to the financial ombudsman.

Nasqueron

Brokers are allowed to operate a model where you get free advice and they sell you a product on which they earn commission which pays their bills. This is perfectly legal and valid.

Did you pay for advice or was it free?

Also as above, if you complained and were rejected your complaint will be time barred now. Insurance sales will also be fully documented and have a bigger paper trail since regulation started in 2005, unlikely you would find any evidence of miss-sale regardless