PPI Reclaims not covered by the FOS

earthan7dor1

Having trawled through articles on PPI mis-selling; fetched my papers from archive; tried forums; came close to a claims collection company - who was the only source to mention my lender and 30 year period! But, forgive me I cannot find the specifics I seek among the jargon.

I am on the verge of giving up; re-burying my papers, but frustratingly remain in limbo, because with all that information 'out there; I am none the wiser. Yes, I am articulate thank you.

Even so, there is a stubborn part of me that considers I have an equal right to justice as everyone else - "Your right to justice musn't fade with time" - just because I am not post 2014 or don't fit stringent pigeon-holes or rigid tick boxes.

So, is there anyone who can genuinely state I have a claim to take to FOS, for serious consideration? Negative clever answers need not reply. I need a mustard vanguard, here:

VIZ: In 1987, as a single woman, no kin or dependents, (and had a 15 year repayment mortgage with Anglia Building Society), I was stitched into an NHL Endowment Mortgage (low start) with Insurance. Nothing was ever properly explained at the time, or at all - "just leave it to me". I didn't get paperwork until after I had moved in.

I didn't know enough to ask questions (especially as Anglia was so professional with my first Mortgage).

If I wrote a book, it would get stuck on the fiction shelves, no one could ever believe so much damage by so many to one lone female - I was viewed as an "easy killing".

Isn't hindsight wonderful! I didn't know what was being done to me, a lamb led to the slaughter. Eg, the Broker could have advised a DSS Home Improvement Loan, that would then enable me putting my entire equity (proceeds of sale) to buy the property.

I was given a whole plethora of false information, ie, Anglia wouldn't Mortgage me. My fallibility is I trust all the wrong people; thinking they are a 'good egg'. Is that on the Statute Books as a crime?

In short, I have never recovered, nor got back on my feet again, or financially solvent. Indeed, I am hoping for a positive response, so I can put a roof over my head. I am too old to continue subsisting in my car. :mad:

Justice anywhere is a a threat to justice everywhere - Martin Luther King. :T

[Deleted User]

Is there any chance you could ask a simple question, so that perhaps someone could answer yes or no?

Forget the clever narrative, the quotes, the emoticons. Just ask your question.

[Deleted User]

earthan7dor1 wrote: »

All I want is a simple yes or no

No, then. The answer is no.

Now, what's the question?

dunstonh

Am i suffering d!jà vu ?

-taff

earthan7dor1 wrote: »

So, is there anyone who can genuinely state I have a claim to take to FOS, for serious consideration? Negative clever answers need not reply.

Like it or lump it you have no complaint.

earthan7dor1 wrote: »

VIZ: In 1987, as a single woman, no kin or dependents, (and had a 15 year repayment mortgage with Anglia Building Society), I was stitched into an NHL Endowment Mortgage (low start) with Insurance.

This is not a misselling complaint. You chose this type or mortgage.

earthan7dor1 wrote: »

Nothing was ever properly explained at the time, or at all - "just leave it to me". I didn't get paperwork until after I had moved in.

Is you compalint you were 'young and naive'?

earthan7dor1 wrote: »

I didn't know enough to ask questions (especially as Anglia was so professional with my first Mortgage). .

As you were borrowing a very big chunk of money, asking questions was entirely your responsibility.

earthan7dor1 wrote: »

I was given a whole plethora of false information, ie, Anglia wouldn't Mortgage me.

And it was your responsibility to check this information, no-one elses.

earthan7dor1 wrote: »

I didn't know what was being done to me, a lamb led to the slaughter. Eg, the Broker could have advised......

A broker sold you this mortgage? You have no-one to complaint to. They weren't regulated until 2005.

earthan7dor1 wrote: »

In short, I have never recovered, nor got back on my feet again, or financially solvent. Indeed, I am hoping for a positive response, so I can put a roof over my head. I am too old to continue subsisting in my car. :mad:

Suggest you speak to Shelter.

Millown

New to this forum, but been very successful in recent claims. All of which I will post in the appropriate forum.

I am however having an issue claiming back PPI from a Natwest Card. On the statement dated in 1998 (a copy of which I sent to Natwest), it clearly shows 'Credit Card Repayment Protector' being deducted at a cost of GBP 30.67 per month on a balance of GBP 4120. The team at Natwest are suggesting that this maybe CPP instead. Any tips how I should go forward with this? I would be happy to proceed to the Ombudsman, but only if I am not mistaken in respect of it being PPI and not CPP. I am happy going forward with my case in respect of the mis-selling and of course Plevin ruling.

[Deleted User]

Write back and tell them it looks like PPI.

[Deleted User]

Millown wrote: »

On the statement dated in 1998 (a copy of which I sent to Natwest), it clearly shows 'Credit Card Repayment Protector' being deducted at a cost of GBP 30.67 per month on a balance of GBP 4120. The team at Natwest are suggesting that this maybe CPP instead.

Sounds more like an ANNUAL figure for CPP. You have found one statement and ,made an incorrect assumption that this is a monthly PPI payment.

Alan_Medcalf

My wife had a Mortgage with the Legal and General Insurance Ltd, arranged through Derby Mortgage Advice Bureau, unknown to her there was a PPI Policy raised, even the application form for the Mortgage the section re PPI is blank, Direct Debit payments for this cover is paid to Legal and General, both refuse to accept that it is their problem, passed to the Financial Ombudsman who have responded saying , as the Policy was sold was before 14 January 2005 as this was before businesses selling Insurance were regulated they cannot look at complaints against them, is there any other action we can take, many thanks for any help you may be able to give.

[Deleted User]

No. It's pre regulation, as you've been advised.