Trying to make a claim from an insurance company that no longer exists

donmaico

Hello , the mortgage loan was from Alliance and Leicester when it was still a mutual building society but the only way i could get it was via an endowment mortgage from Crusader Insurance Company Limited a company that no loner exists but is now administered by Phoenix Life Limited .Unfortunately neither of those two appear in the drop down list "Tell us who mis-sold you the PPI policy" in the Free PPI reclaiming tool from MSE so i wondered if anyone could advise me how to start the claim? Thanks

SonOf

Your post is a little confusing.
Are you talking about making a PPI complaint or are you talking about making an endowment complaint?

[Deleted User]

donmaico wrote: »

Hello , the mortgage loan was from Alliance and Leicester when it was still a mutual building society but the only way i could get it was via an endowment mortgage from Crusader Insurance Company Limited a company that no loner exists but is now administered by Phoenix Life Limited .

To complain about PPI mis-selling you complain to whoever sold you the insurance, not the actual provider. As such, your search for an insurance company to complain to is a waste of time since they did not sell you anything.

Do you know for sure there was PPI on this mortgage?

There was no PPI on endowments.

donmaico

Moneyineptitude wrote: »

To complain about PPI mis-selling you complain to whoever sold you the insurance, not the actual provider. As such, your search for an insurance company to complain to is a waste of time since they did not sell you anything.

Do you know for sure there was PPI on this mortgage?

There was no PPI on endowments.

It was an "MCS Policy instruction" as appears on a document issued by Alliance and Leicester. I have no idea if they sold me PPI (in 1983) but was hoping Resolver might find out from some data base or other

donmaico

SonOf wrote: »

Your post is a little confusing.
Are you talking about making a PPI complaint or are you talking about making an endowment complaint?

PPI complaint

AnotherJoe

I dont think PPI existed in 1983 and certainly not on mortgages or endowments. Other products but not PPI.
Resolver (or anyone else) doesn't have the ability to drill into databases held by third companies to see if individuals had accounts and if so what sort of accounts, with them.

You are on a wild goose chase in a location where there aren't any geese.

SonOf

donmaico wrote: »

It was an "MCS Policy instruction" as appears on a document issued by Alliance and Leicester. I have no idea if they sold me PPI (in 1983) but was hoping Resolver might find out from some data base or other

That isnt PPI. If you took out an endowment mortgage then the endowment would be classed as mortgage/credit security.

1983 predates the building societies act. So any insurances would not be own-brand products but those of the local branch agency (owned by the branch manager as a perk) or used a local insurance broker.

There is no database. Resolver does not have access to your personal details. Although it does sell what you input into it on an aggregated basis to third parties.

[Deleted User]

donmaico wrote: »

It was an "MCS Policy instruction" as appears on a document issued by Alliance and Leicester. I have no idea if they sold me PPI (in 1983)

PPI was extremely rare 36 years ago. As I said earlier, any insurance is more likely to have been MIG.
If you do "complain" you must do so to the seller of the insurance (not the provider) and should expect a terse reply that you did not have PPI.

donmaico wrote: »

was hoping Resolver might find out from some data base or other

Resolver is just an E-Mail template for sending completed complaints (or enquiries) to Financial Institutions. It provides no complaint management or research facilities.

donmaico

Ok I wont pursue that one although I was assuming a PPI might have been sold to me by MCS without me being aware of it.
I did subsequently take out another endowment policy in 1990 via Alliance and Leicester which had by that time become a bank(insurance company Scottish Amicable, latterly Prudential) .Again I was assuming PPI might have been sold to without me being aware of it. I have absolutely no recollection but just read online that claims can be taken back as far as 1990 so I made one .It may well also be a wild goose chase but I dont see what i have to lose by trying .There was also an HSBC credit card but , again, i dont know if PPI was sold tomes in relation to that .I do remember buying a lost card policy but I do not suppose that is relevant

SonOf

Ok I wont pursue that one although I was assuming a PPI might have been sold to me by MCS without me being aware of it.

PPI wasnt being missold in the 80s. It barely existed back then.

I did subsequently take out another endowment policy in 1990 via Alliance and Leicester which had by that time become a bank(insurance company Scottish Amicable, latterly Prudential) .Again I was assuming PPI might have been sold to without me being aware of it.

Endowment policies cannot have PPI on them.

I have absolutely no recollection but just read online that claims can be taken back as far as 1990 so I made one

That is incorrect.

You can actually go back to the 80s if there is evidence still available. However, you may only be able to go back to 2005 if the company that sold the PPI was not regulated before January 2005 (the date insurance regulation started). There are other variations on the date as well depending on the distriubtion channel.

-taff

Make a complaint about the credit card, go directly to the website to do it not through resolver.