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Mortgage ppi reclaim in joint names
paulinetc
Posts: 14 Forumite
Hello there,
I am (better late than never!) going through the process of checking all my creditors for any PPI payments that I've made unknowingly. Someone has suggested that I also check PPI on my current Nationwide mortgage. The Nationwide website has a handy tool to check if I am paying PPI before making any claims.
However, the issue I have is that my mortgage is in joint names with an ex partner, who has never paid a penny of the mortgage since its start date or never lived in the property. For the online PPI checker tool I also have to give his details as its in joint names. Does this mean that they will also contact him to let him know, and if I can claim against PPI, does he have to know about this and will he get any proceeds from it? I'm probably jumping the gun a bit, but if anything was to be paid out would it be in joint names? I don't want to go through the process of checking or claiming only for him to also be notified about it and then start harassing me as he always does. Basically, I just don't want him finding out and getting back in contact with me. I enjoy a quiet life!
Any advice would be great.
Thanks
I am (better late than never!) going through the process of checking all my creditors for any PPI payments that I've made unknowingly. Someone has suggested that I also check PPI on my current Nationwide mortgage. The Nationwide website has a handy tool to check if I am paying PPI before making any claims.
However, the issue I have is that my mortgage is in joint names with an ex partner, who has never paid a penny of the mortgage since its start date or never lived in the property. For the online PPI checker tool I also have to give his details as its in joint names. Does this mean that they will also contact him to let him know, and if I can claim against PPI, does he have to know about this and will he get any proceeds from it? I'm probably jumping the gun a bit, but if anything was to be paid out would it be in joint names? I don't want to go through the process of checking or claiming only for him to also be notified about it and then start harassing me as he always does. Basically, I just don't want him finding out and getting back in contact with me. I enjoy a quiet life!
Any advice would be great.
Thanks
0
Comments
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He will get half of any redress.
On the plus side, mortgage PPI is rarely mis sold, so chances are neither of you would get anything, so he wouldn't find out.0 -
Regardless of that. not only will he be entitled to half the proceeds of a successful PPI complaint, the Bank will only accept a complaint which is co-signed by the two of you.the issue I have is that my mortgage is in joint names with an ex partner, who has never paid a penny of the mortgage since its start date or never lived in the property.
Sorry.0 -
Thanks for the update. I think i'll just leave it then. Its not worth it if it means even having any sort of contact. I'd rather go without!
Thanks for the advice :-)0 -
Someone has suggested that I also check PPI on my current Nationwide mortgage.
That is pretty easy then as Nationwide only retail standalone monthly premium MPPI.The Nationwide website has a handy tool to check if I am paying PPI before making any claims.
Why do you need a tool?
Your bank statements will tell you all you need to know. Do you have a direct debit for MPPI or not?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.0
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