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Mortgage in deceased name - PPI?
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Laura_Wren
Posts: 1 Newbie
Hi, Does anyone have experience of searching for which mortgage provider was used for a property back in the 80's? My dad had a morgage with a building society in 1984-ish. He sold the house in 1998. He passed away in 2010 and I cannot find his paper work. How do I go about finding out if PPI is due anywhere? Mum cannot recall the mortgage company but also mentioned they had a loan on windows in the house! Its a minefield and Im not sure where to start. Any help appreicated. Thx, Laura
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If you don't have records, no one else will.
In fact no one will have records at all, so I would move on.0 -
Nobody is "due" PPI, simply having it is not a problem, it's only if it was miss-sold that is an issue. Your dad may have wanted the cover. Moreover, PPI was more of a late 80s product, before that it could be MIG or even some form of life insurance or similar
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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How do I go about finding out if PPI is due anywhere?Mum cannot recall the mortgage company but also mentioned they had a loan on windows in the house!
As you don't appear to know whether there was any PPI involved, I don't think you'll get anywhere with this.0 -
Does anyone have experience of searching for which mortgage provider was used for a property back in the 80's?
Did he use an estate agent, mortgage broker, financial adviser or solicitor to arrange the mortgage (most mortgages are arranged that way).
In which case, it wont be the lender that matters.How do I go about finding out if PPI is due anywhere?
That isnt how it works. The executor of the estate needs to raise a complaint about how it was missold. Seeing as insurance regulation started in January 2005 and financial services regulation overall started in 1988, a sale in the 80s wont have many rules to follow. Plus, its mortgage related and most MPPI complaints fail (you can still buy MPPI today).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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