Mortgage PPI Reclaim

Nasqueron

Rhothgar wrote: »

I was aware of that hence my rhetorical reply.

Well. How about this? I took a dive in at the deep end and managed to track down and locate my then partner and emailed her.

Her response was in line with my beliefs. She states in her email, "To be honest, I can't remember what I signed at the time or why I would have ticked the PPI box when we were struggling for money and my job was secure - it was a long time ago though!"

This afternoon, I have found a letter from my employer that my long term job prospect with the company was practically assured.

I have also found the original letter regarding payment protection stating that we were entitled to free unemployment cover for 12 months and that they are unable to trace having received your application form.

It turns out that the ticked box only shows we'd agreed to receiving an application form for payment protection.

So it looks like they incepted a policy without any signatures.

I have just spoken to a friend in insurance and he claims that you cannot have a policy schedule with two benefits ie accident and sickness and a separate unemployment benefit as it is under the one and same policy. You either have a policy or you dont.

Your further thoughts would be appreciated. This has to be with the Ombudsman before midnight.

Many thanks for the disussion so far.

Don't miss the FOS deadline, you only need to start the process, you can provide all your proof later

Rhothgar

Nasqueron wrote: »

Don't miss the FOS deadline, you only need to start the process, you can provide all your proof later

It went in last night. One email at 23:59 and the second part at 00:02 this morning.

I called them this morning and they said that it is taken as the date on the first email. Talk about cutting it fine!