PPI and

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Hi


I would like to apply for PPI but is there any point. The reason I ask is that I had a mortgage but the property was repossessed in 2012 with a shortfall on the mortgage of about £30K - it was a joint mortgage with my Ex
I don't want to apply for PPI if this is going to cause the mortgage company to come after me ?

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Apply for PPI or make a complaint about it?

    If a complaint, any redress would be offset against the amount you owe. However, do you have mis sale reasons?
  • [Deleted User]
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    Geoff190 wrote: »
    I don't want to apply for PPI if this is going to cause the mortgage company to come after me
    If there is still £30,000 outstanding on the mortgage, I very much doubt you'd receive anything personally from a PPI complaint. You should only make a complaint if you simply want any redress to go towards the unpaid debt.
  • Geoff190
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    Apologies Ishould have been clearer with my post

    Any PPII claim for would be in relation to old credit cards and a previous bank overdraft - nothing to do directly with my old mortgage

    My concern was I didn't want to open a can of worms and alert my previous mortgage company about any possible refunds Hence my question would it be worth my while ?
  • -taff
    -taff Posts: 14,578 Forumite
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    The mortgage company have 12 years to come after both or either of you for the return of their money, so it's a moot point.

    And the policy would probably have been issued separately form the motgage provider, or should have been. Was it?
    Shampoo? No thanks, I'll have real poo...
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    Geoff190 wrote: »
    Any PPII claim for would be in relation to old credit cards and a previous bank overdraft - nothing to do directly with my old mortgage
    If I owed £30,000 I'd be keeping my head down...
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