please advise on 1996 ppi issue

cherylemajor

Hello, firstly thankyou for having me on this forum.
I have been trying to cliam back my mortgage PPI covered by norwich union way back in 1996. my issue is neither norwich union or aviva that own norwich union will help me.
i took my mortgage out throu an estate agent underwritten by the sequence group owned by RSA. in 2003 connels bought the group at a loss.
I have gone round in circles trying to get my answers as to who will give me my money back i have bank statements to prove i made these payments for over 4 years.
the estate agent managed everything from mortgage, life insurance,endowment, ppi on mortgage, house insurance infact the only thing they didnt insure was the cat.
anybody got any advice before i give this job to one of them firm. i would really hate to do that but i dont think i can cope with the run around they are giving me. i have managed to file all my other cases using resolver but it wont reconise this ppi.
thanks in advance

BoGoF

Your claim is against whoever sold you the policy but given this was pre regulation your chances are nil.

[Deleted User]

cherylemajor wrote: »

I have gone round in circles trying to get my answers as to who will give me my money back

No one will give you your money back.

cherylemajor wrote: »

the only thing they didnt insure was the cat.

At least you didn't pay for cat PPI.

-taff

cherylemajor wrote: »

I have gone round in circles trying to get my answers as to who will give me my money back i have bank statements to prove i made these payments for over 4 years.

No-one will give you your money back, you bought from an unregulated firm which no longer exist which was bought by a firm which itself was not regulated at the time. It doesn't matter that you can prove it, your complaint is over.

McKneff

And,...you dont get it back just because you paid it.

Time to move on

dunstonh

I have been trying to cliam back my mortgage PPI covered by norwich union way back in 1996. my issue is neither norwich union or aviva that own norwich union will help me.

Aviva is Norwich Union. It was a rebrand. not a purchase.

I have gone round in circles trying to get my answers as to who will give me my money back i have bank statements to prove i made these payments for over 4 years.

No-one will give the money back. Firstly, that isnt how the PPI complaints issue works. Secondly, you bought nearly a decade before regulation and the estate agents would not have been regulated at that time.

anybody got any advice before i give this job to one of them firm.

A CMC cannot help you. The rules apply to everyone and a CMC cannot change those rules.

You give up and stop wasting your time as its a pre-regulation made by a company that was not regulated at the time.

Nasqueron

Do note further to the above, if you employ a CMC and they find you have already complained and (correctly) been rejected as a pre-regulation case they will probably charge you for wasting their time

MackemMick

Just a note .. I am being refunded from 1997 to present day .. pre regulation in that time period. The party involved stating their code of ethics before regulation meant they didn't have to but would refund.

dunstonh

MackemMick wrote: »

Just a note .. I am being refunded from 1997 to present day .. pre regulation in that time period. The party involved stating their code of ethics before regulation meant they didn't have to but would refund.

Same retailer as the OP?

Remember that pre-reguation does not apply to all distribution channels. Banks, building societies, most card providers and a number of others have to go back to much earlier dates.

[Deleted User]

MackemMick wrote: »

Just a note .. I am being refunded from 1997 to present day .. pre regulation in that time period. The party involved stating their code of ethics before regulation meant they didn't have to but would refund.

While that's a great result for you, it doesn't apply to the threadstarter's situation. Who is the "party involved" in refunding you? The OP purchased from an Estate Agent pre-regulation and the firm in question is apparently no longer trading, so he/she won't be getting a refund.

Well done on your success:T

Labsuper

MackemMick wrote: »

Just a note .. I am being refunded from 1997 to present day .. pre regulation in that time period. The party involved stating their code of ethics before regulation meant they didn't have to but would refund.

I bet it was Plevin..