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FSO Advice please...
Comments
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They were listed separately on annual mortgage statement i.e:
Mortgage £xxx
PPI £xx
Think payment was a combined one though.0 -
They were listed separately on annual mortgage statement i.e:
Mortgage £xxx
PPI £xx
Think payment was a combined one though.
That is almost certainly why they need joint authorisation. Its built into the joint mortgage. Most MPPI is paid standalone by direct debit. Not built into the mortgage. So, a single person covered on the MPPI paid from a current account (whether joint or sole) doesnt matter if only one person complains (as long as it is the person covered). That's a standalone plan in much the way your car insurance may be.
Yours is a policy built into the joint mortgage under a joint plan (even if the cover was selected as 100%/0% split)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 -
Thanks for getting back to me again.
Would I be eligible to claim from 1994 when the mortgage was in my sole name? Even if it means submitting a new claim?0 -
Thanks for getting back to me again.
Would I be eligible to claim from 1994 when the mortgage was in my sole name? Even if it means submitting a new claim?
No. Its a missale complaint. i.e. point of sale.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 -
Okay - guess I'll be knocking that on the head. Am spitting a few feathers but that's life. Another score against the little man.
Thanks once again for your help0
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