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Taoski
Posts: 3 Newbie
I claimed for a PPI refund on my mortgage with Nationwide quite a while ago (well over 12 months) and was denied any repayment based on the fact that (based on their records) I was aware of the PPI when I signed and it was all explained to me etc.
I then applied under Plevin (via the Resolver tool) and was awarded a small amount <£100.
I still believe that the PPI is useless and that when I was unemployed and called Nationwide to convert my mortgage to interest only for a short period to reduce outgoings, the insurance was not offered or mentioned (I did not know I had it as an option, to be honest).
Am I allowed to try to make another PPI claim? Or is it done an dusted now?
I then applied under Plevin (via the Resolver tool) and was awarded a small amount <£100.
I still believe that the PPI is useless and that when I was unemployed and called Nationwide to convert my mortgage to interest only for a short period to reduce outgoings, the insurance was not offered or mentioned (I did not know I had it as an option, to be honest).
Am I allowed to try to make another PPI claim? Or is it done an dusted now?
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Comments
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You can make multiple claims, but you're talking about a complaint.
You only get to complain once.0 -
PPI is there to cover your payments while you cannot make them, it's nothing to do with changing your mortgage type. If you complained and were rejected then after 6 months your complaint is time barred and over.
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Game over. You have 6 months to appeal the complaint decision to the FOS. After 6 months, you are timbarred.
If it makes you feel any better, the FOS reject most MPPI complaints as well.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
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