Declined PPI claim on mortgage but we were not aware of it

kippersmum2

I recently contacted Halifax as I had a loan years ago which had PPI. I contacted them to claim this as it was missold but they said none of my loans ever. I am looking through my records to find the one which did have ppi and will chase this at a later date.
During the conversations, they mentioned our mortgage dating back to 1992 and informed us that this did have ppi. We had no knowledge of this and were unaware that there was any ppi on the mortgage. Neither of us were aware that this had been added to our mortgage.
I therefore submitted a claim. They have rejected the claim stating that the evidence we submitted was not sufficient - our evidence was “that we have no knowledge of having this product and only found out when the Halifax told us a few weeks ago.”
I am not sure what other evidence I could give as it was new information to us recently so consequently what else would I have?
What do I do now? Surely this isn’t right? I have never had any insurance on our mortgages so am completely confused as to why I can’t claim if they added it without our knowledge.

societys_child

You must have a very bad memory, mppi could not be added without your knowledge.

dunstonh

our evidence was “that we have no knowledge of having this product and only found out when the Halifax told us a few weeks ago.”

That is not evidence. That is an allegation. What evidence do you have to support that allegation?

I am not sure what other evidence I could give as it was new information to us recently so consequently what else would I have?

Probably no evidence is available as it is an unprovable allegation. It is also an allegation made in every single PPI complaint going. Including the half of PPI complaints that dont even have PPI but people are trying it on.

What do I do now? Surely this isn’t right?

Why is it not right? If no evidence suggests any wrongdoing then your opinion of an event 26 years ago holds little or no weight.

Or putting it another way. I now accuse you of taking £10 from my wallet in 26 years ago. You should pay me and if you dont it is not right. The fact I am saying just makes me right and it should be accepted.

I have never had any insurance on our mortgages so am completely confused as to why I can’t claim if they added it without our knowledge.

Not even life assurance or home insurance?

Most MPPi complaints fail. Yours has the weakest complaint reason going. Without any other failing and no evidence to support the allegation, it was an easy rejection for them.

antrobus

kippersmum2 wrote: »

....

I am not sure what other evidence I could give as it was new information to us recently so consequently what else would I have?

Bank statements showing a payment to an insurance company? Your annual mortgage statement? Halifax must have had some way of collecting the premiums.

Pip_Jamieson

I think that you are being treated unfairly! If it wasn't for Halifax "telling you" that an old mortgage had PPI then your initial claim would have finished there and then. Hindsight is a wonderful thing - if we were all aware of, at the time, regarding the misselling of PPI, then we would all have had bulging records of past loans, mortgages etc. Good luck.

dunstonh

I think that you are being treated unfairly!

Please explain why?

The OP is making an unprovable allegation. Are you saying they should be believed without evidence supporting the allegation?

Remember we are talking MPPI here. Not loan or credit card PPI. it does make a difference.

societys_child

Pip_Jamieson wrote: »

I think that you are being treated unfairly! If it wasn't for Halifax "telling you" that an old mortgage had PPI then your initial claim would have finished there and then. Hindsight is a wonderful thing - if we were all aware of, at the time, regarding the misselling of PPI, then we would all have had bulging records of past loans, mortgages etc. Good luck.

Sorry, but are you serious?

antrobus

Pip_Jamieson wrote: »

I think that you are being treated unfairly! If it wasn't for Halifax "telling you" that an old mortgage had PPI then your initial claim would have finished there and then. Hindsight is a wonderful thing - if we were all aware of, at the time, regarding the misselling of PPI, then we would all have had bulging records of past loans, mortgages etc. Good luck.

Are you sure?

The OP states that they contacted Halifax as they had a loan years ago which had PPI. They contacted them to claim that it was mis sold only to be told there was no PPI. They are now rifling through their records to prove the Halifax wrong.

Of course I could be wrong. Stranger things have happened.

They then 'discovered' that they had MPPI. I'm not convinced it's possible not to know that you have MPPI.

I suspect the rifling will find no evidence of loan PPI, but will have a mention of mortgage PPI. At which point the OP will go 'oh sugar, that's what that £15.22 a month was for'.