legal and general help!

saraann21

im trying to claim ppi from legal and general going back to 2000 on my mortgage.ive had a letter today saying that the man who sold it me sold it properly and i could cancel the direct debit anytime i liked?but i didnt know what it was and no idea i didnt have to have it.is this normal for them?theyve been trying to ring me aswell but i dont want to talk to them id rather write.im starting to feel pressuredinto leaving my claim so just need reassurance!should i just carry on and give them a certain amount of time before i go to the ombudsman?thanks for any help,im really stressing over this!

dunstonh

but i didnt know what it was and no idea i didnt have to have it.is this normal for them?

Your argument lacks credibility. There is unlikely to be any evidence to back up your allegation. So, the response to such a weak complaint seems logical.

A 2000 sale would have had an initial illustration issued by the agent. Followed up in the post from the provider with the cancellation rights. Followed up by a policy schedule in a separate post. That was nearly 20 years ago, so its more likely you have forgotten than it not being done.

!should i just carry on and give them a certain amount of time before i go to the ombudsman?

How do you think the ombudsman will help you?

L&G only retailed regular premium MPPI. That type of PPI sees most complaints rejected. Your complaint reasons are just about the weakest ones going and the L&G response seems correct on those particular points.

help,im really stressing over this!

You should not be stressing. Its not a matter of life or death. Its a complaint about a sale of a policy nearly 20 years ago. A type of policy that sees most complaints rejected. So, the odds of success were against you and you have nothing to lose. So, it should not be creating any stress.

Do you have any better complaint reasons? Something with a bit more substance?
Is it even MPPI? L&G did MPPI but they were more commonly known for life assurance in that period.

saraann21

its mppi.to be honest its for a friend,ive written what she has told me.she never knew she had ppi,was sold it when her mother died and they had to take the mother off a policy and remortgage.she recently had a free pou check done and this came up,before that she was unaware she had it.even now she does not know what ppi is.what should she do?leave it or pursue it?thanks

BoGoF

If its for a friend why are you stressing

You have been given advice that your case is weak so either take it forward....or dont. Your choice or your 'friend'

saraann21

BoGoF wrote: »

If its for a friend why are you stressing

You have been given advice that your case is weak so either take it forward....or dont. Your choice or your 'friend'

not me stressing its her lol.i just wrote out what she told me.she doesnt have internet so i said i would ask on here for her.ive told her take it forward as she mustve been grieving when she had the ppi and if she doesnt understand it now how would she understand it when she was given it?

dunstonh

at the end of the day, most MPPI sales arranged by mortgage brokers fail. Whilst some did do missales, they were mostly single premium MPPI which is bad and nearly always upheld. A bad product sold by bad people. However, regular premium MPPI can still be bought today. Unlike all the bad types of PPI.

The reasons for this complaint are weak. These reasons rarely succeed by themselves. Someone may use them in a complaint and get paid out but it is usually for another failure or an auto-payout. Not these reasons. They are reasons that are not able to be proven. If it was a bank, then the chance of auto-payout is higher. However, this was arranged by a mortgage broker and they tend to have better audit trails than the banks and as they only retail the better form of PPI, they have less "product" issues.

Your friend can take it to the FOS. None of us here can say whether it will succeed or not as we dont have access to the information available. We only have what you tell us and that does not look strong enough for a successful complaint.

saraann21

dunstonh wrote: »

at the end of the day, most MPPI sales arranged by mortgage brokers fail. Whilst some did do missales, they were mostly single premium MPPI which is bad and nearly always upheld. A bad product sold by bad people. However, regular premium MPPI can still be bought today. Unlike all the bad types of PPI.

The reasons for this complaint are weak. These reasons rarely succeed by themselves. Someone may use them in a complaint and get paid out but it is usually for another failure or an auto-payout. Not these reasons. They are reasons that are not able to be proven. If it was a bank, then the chance of auto-payout is higher. However, this was arranged by a mortgage broker and they tend to have better audit trails than the banks and as they only retail the better form of PPI, they have less "product" issues.


Your friend can take it to the FOS. None of us here can say whether it will succeed or not as we dont have access to the information available. We only have what you tell us and that does not look strong enough for a successful complaint.

thankyou for your help i shall pass this on.i know it was a free ppi check company that found it for her.im sure she wont want to go ahead if you think her case isnt good.thanks for taking the time to help i do appreciate it.