Cheshire Building Society 18 February 2018 at 7:12PM in Reclaim bank & credit card charges 8 replies 2.2K views

Tillym63

Hi
Would I be able to claim PPI from a mortgage I took out in1982 to 1989 as they have closed down?

Many thanks

societys_child

You may have a problem.

A few more details would help to give a considered response. Was the product actually PPI, who sold you the policy . . things like that.

antrobus

Tillym63 wrote: »

Hi
Would I be able to claim PPI from a mortgage I took out in1982 to 1989 as they have closed down?

Many thanks

The Cheshire Building Society merged with the Nationwide in 2007. Any PPI mis-sale complaint should go to the Nationwide.

However; 1982 is 36 years ago, Nationwide may no longer hold any records.

Are you sure you actually had a MPPI policy?

[Deleted User]

In 1982, the likelihood is that this was Life Assurance.

It's very doubtful it was PPI so long ago..

I also doubt there will be any records almost four decades on..

Tillym63

Sorry it was a mortgage.

Tillym63

My husband was self employed at this time

[Deleted User]

Tillym63 wrote: »

My husband was self employed at this time

Mortgage PPI covered the self employed.

This unlikely to be PPI anyway (more likely Life Assurance)

There is almost no chance that any record of this finance has been kept 36 years on.

Tillym63

Thank you for your assistance.

dunstonh

Was this PPI?

1982 would be rare for MPPI. It is right at the start of it being available and almost a decade before the lenders went sales crazy.

In 1982, the dominant insurance required for mortgages was life assurance. You are also looking at the period you had to pay MIG if you borrowed above a certain loan to value. Neither of those are PPI.

So, are you sure you had PPI?