Financial ombudsman query
KazE
Forumite 6 Posts
Need some advice please-
I'm currently compaining about mis-sold Mortage ppi(the main reason, the policy doesn't cover the term of the loan and I wasn't told this at the time) The Halifax said I wasn't mis-sold, it so I've complained to the FOS.
The problem is: I bought a house with my partner in 1997 and we had a joint mortgage and repayment protection insurance. We split up in August 2000 and the mortgage was transferred to my sole name. The insurance policy was also started again in my sole name.
The Halifax have said to the FOS, that they need my ex-partners signature before they can provide more information to the FOS because her name was on the mortgage at the time the policy was taken out.Due to GDPR regulations. Even though the ppi policy I'm complaining about is in my sole name and has nothing to do with my ex-partner. When the policy was taken out there was only about a week between me taking it out and the mortgage transfer to my sole name went through.
I have no way of contacting my ex. The break up wasn't amicable and I don't think if I even knew where they where they would sign it . As they are not entitled to anything if the FOS find I was mis-sold.
Does anyone have any advice about this? Are the Halifax just saying this? as I've had problems with them giving me dates that don't correspond with the documents I have.
I'm currently compaining about mis-sold Mortage ppi(the main reason, the policy doesn't cover the term of the loan and I wasn't told this at the time) The Halifax said I wasn't mis-sold, it so I've complained to the FOS.
The problem is: I bought a house with my partner in 1997 and we had a joint mortgage and repayment protection insurance. We split up in August 2000 and the mortgage was transferred to my sole name. The insurance policy was also started again in my sole name.
The Halifax have said to the FOS, that they need my ex-partners signature before they can provide more information to the FOS because her name was on the mortgage at the time the policy was taken out.Due to GDPR regulations. Even though the ppi policy I'm complaining about is in my sole name and has nothing to do with my ex-partner. When the policy was taken out there was only about a week between me taking it out and the mortgage transfer to my sole name went through.
I have no way of contacting my ex. The break up wasn't amicable and I don't think if I even knew where they where they would sign it . As they are not entitled to anything if the FOS find I was mis-sold.
Does anyone have any advice about this? Are the Halifax just saying this? as I've had problems with them giving me dates that don't correspond with the documents I have.
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https://forums.moneysavingexpert.com/showthread.php?p=76728919#post76728919
Please use the other thread rather than duplicate on this one.