Which company to claim against for PPI???

richdav1971

I contacted my very first mortgage provider (Nottingham Building Society) as I was reasonably confident that I paid for mortgage protection circa 2000-2005. They have written back confirming that payment protection was paid for but have rejected my claim. They also advised that premiums were paid to a third party insurance company (London and Edinburgh); either I cannot remember this due to the passage of time, or I was never informed of this.


L&E were acquired by Norwich Union (now Aviva) in 1998. Should I make a claim against Aviva in the first instance before submitting a complaint to the Ombudsman?


Many thanks in advance

MovingForwards

MPI is completely different from PPI hence the rejection.

Nearlyold

Who sold/arranged your very first mortgage- did you go directly to Nottingham Building Society or did you go through a Broker.

Remember you need to complain to whoever SOLD you PPI (if it was PPI and not some other type of Mortgage Protection policy)- not the provider.

Nasqueron

You complain to whoever sold it

Generally speaking people take out a mortgage with a broker, estate agent etc and clearly here you did as you have a policy arranged separate from the lender implying it was done through a third party (unless Nottingham BS sold insurance for L&E). As such, while your policy was with L&E unless they actually sold it to you, they (as Aviva) have no responsibility.

Assuming you did take it out via a third party, with it being most likely pre-2005 they were not regulated so have no liability and your complaint is over.

dunstonh

They have written back confirming that payment protection was paid for but have rejected my claim.

not unexpected as most MPPI complaints fail.

They also advised that premiums were paid to a third party insurance company (London and Edinburgh); either I cannot remember this due to the passage of time, or I was never informed of this.

Banks and building societies are not insurance companies. So, there will always be an insurance company behind their product. Most banks and building society own brand MPPI would be collected under a direct debit with the insurer's name on it.

So, saying you were not informed about it when you would have had a direct debit with an insurance company name and would have been notified under the direct debit scheme of the payee and amount and collection date makes your claim unlikely.

Should I make a claim against Aviva in the first instance before submitting a complaint to the Ombudsman?

Why would you write to Aviva? I don't believe L&E had reps. So, Aviva would have no liability.

richdav1971

Re. the first response, I thought claims could still be made against mortgages?


I can't remember specifically who sold me the policy, but interestingly, there is a contradictory statement in their reply. Although they state a third party provided MPPI, they subsequently state: 'I do not consider it was inappropriate to have offered PPI cover at the time of application', thus alluding to them being involved in the arrangement of it.

Thanks again in advance

AnotherJoe

What is your claim, other than the fact you had it? Were you ineligble to benefit?

antrobus

richdav1971 wrote: »

Re. the first response, I thought claims could still be made against mortgages?

...

You can still complain it was mis-sold. What are your reasons?

richdav1971 wrote: »

I can't remember specifically who sold me the policy, but interestingly, there is a contradictory statement in their reply. Although they state a third party provided MPPI, they subsequently state: 'I do not consider it was inappropriate to have offered PPI cover at the time of application', thus alluding to them being involved in the arrangement of it....

Not at all, They are confirming that they sold it.