Decieptful Ex Husband and PPI

LozzyBabes

I saw my ex husband this evening I was married to him for 20 years in that time we always had bank loans with Barclays I always sorted them out and the money to pay them anyway... I decided that I would try to do a PPI claim but I'm honest so when I saw him this evening I explained it was my intentions to do this but could we do it together us being married at the time so we got 50/50 of the money each.... He told me he had done this 7 years ago and had got back £10'000 but he never told me and kept it all what can I do about this it was in joint names ? Need advice he has no money he's on benefits surely the bank should have checked I was aware and paid my fair share ? Can I do anything about this please ? I've just found out this evening

Regards from Lorraine Smith:mad:

dunstonh

He told me he had done this 7 years ago and had got back £10'000 but he never told me and kept it all what can I do about this it was in joint names ?

Are you sure they were in joint names?
Most personal loans issued by banks are single, not joint. You may have paid them out of the joint account but source of payment doesnt matter.

surely the bank should have checked I was aware and paid my fair share ?

If they were joint, yes. If they were sole, no.

LozzyBabes

I went to bank to sort them out to get them he just had to come along to sign the paperwork.... I always sorted them we were on benefits he was on disablementthey made us pay PPI even though we couldn't ever claim cis we weren't working I was a mother of three he was disabled well slightly more couldn't keep a job because he got piseed too often more the truth

LozzyBabes

Because we were on benefits he claimed social for us all in his name as a family through social security we both had to be on the loans

Enterprise_1701C

What I would do is put in a claim anyway, maybe he hadn't already done it but decided to tell you he had and then do it himself?

dunstonh

I went to bank to sort them out to get them he just had to come along to sign the paperwork....

Which could indicate that they were in just his name.

It all comes back to whether they were in his sole name or joint. You need to ask the bank.

LozzyBabes

I've emailed the bank if the loads were in both our names wouldn't the PPI be too?

dunstonh

LozzyBabes wrote: »

I've emailed the bank if the loads were in both our names wouldn't the PPI be too?

Not necessarily. You could set up the PPI to be 50/50, 100/0 or many other combinations.

~Brock~

Most PPI only covered the first person named on a joint loan agreement, who would have been expected to be the main earner.

In the event of a mis-sale, the only person entitled to the refund would be the person who had been mis-sold, regardless of any joint liability on the loan itself.