Ex partner claimed

Harry1potter

I recently put a poi claim in but was told I couldn’t claim as my ex partner had claimed. Is this legal that they can claim without my knowledge or permission

[Deleted User]

If it was a joint policy, both parties would normally need to agree to the complaint.

What was the policy?

SonOf

Harry1potter wrote: »

I recently put a poi claim in but was told I couldn’t claim as my ex partner had claimed. Is this legal that they can claim without my knowledge or permission

Did you put in your complaint after you spoke to your ex or does your indignation only apply if it's not you doing it?

Yes it is legal. Either party on a joint PPI policy can raise a complaint. Some lenders will only start once both agree to the complaint but others will take instructions from only one side.

However, if the PPI complaint is successful, the redress is paid as per the split on the PPI policy. In most cases, it is only MPPI that is join. Most loans are held in a sole name. So, the redress goes to the person who took out the loan. Credit cards are held solely with an additional card holder. The additional cardholder isnt liable for the debt and any PPi redress goes to the main cardholder.

MPPI can be held jointly but is often only set up with the primary earner covered.

The other thing that may have happened is the that complaint was rejected. So, there was no reason to get in contact with you.

Which type of PPI are you referring to?

Harry1potter

There were 4 policies all with Barclays loan, mortgage overdraft and credit card

SonOf

Were you on the loan (Barclays didnt do joint loans)?
Were you the primary cardholder on the credit card?
O/D PPI usually matches the account
MPPI may be 50/50 or it could be 25/75 or 100/0 (or other variations).

All this is irrelevant though if the complaint failed. The OD PPI and MPPI suggest you would have been contacted if the complaint succeeded. Did Barclays tell you if the complaints succeeded or not?