Ex wife claimed PPI on credit card, only additional card holder?

jonesMUFCforever

Let's put another slant on this thread - if the OP had no knowledge of the claim then is he entitled to the money himself as he had not applied for it and it is now too late for him to put in a claim in his own name?

jimbo26

Get the cheque resent to your husband. Keep all the cash and the ex can deal with the claim company, she entered into a contract with them not your husband.

-taff

Moneyineptitude said:

If you read the first post  again, it says the original cheque is already in the hands of the OP so he has no need to request another.

Oops.

In that case, cash the cheque, tell her to take a running jump and pay the CMC herself. He did not agree to employ a CMC , she did. He could send a SAR to CSO and see what info she sent in and whether she signed anything on his behalf [ a nice way to put it]. He could also send a SAR to the CMC if he wanted to if he knew which one it was and that would become apparent once he recieved the info from Egg.

dunstonh

jonesMUFCforever said:

Let's put another slant on this thread - if the OP had no knowledge of the claim then is he entitled to the money himself as he had not applied for it and it is now too late for him to put in a claim in his own name?

Effectively yes.  The OP is getting lucky and the decision was made.  So, the deadline doesn't apply. The complaint has been reviewed and the outcome made.  So, no new complaint needs to be made.  Just clarification on where the money was sent.

I would be on to the bank to say the address is wrong and can they cancel the cheque and issue a new one to the correct address. The bank will then be expected to check for address ID and then re-release the cheque and cancel the existing one.  That assumes that no outcome with the ex can be agreed.

badmemory

Personally I would just say thank you to the ex & give her half.  You would have had nothing if she hadn't claimed & it is now too late for you to.  She probably hadn't even remembered it was joint or that she was a second card holder.  What goes around very often does come around/karma.  So best not to be a jerk!

Doing the right thing rather than the strictly legal thing can actually be good for you!  You should be able to get back some of the tax which she won't be able to if that makes it any more acceptable to you.

brettcta

I don’t subscribe to bad memory’s ‘do the right thing’ ethos as it may then give the green light to future potential fraudulent acts.

get it nipped in the bud now.

[Deleted User]

dunstonh said:

I would be on to the bank to say the address is wrong and can they cancel the cheque and issue a new one to the correct address. 

Since the OP is already in possession of a cheque made out in his name , why would he need to have a new cheque sent to his address?

 Surely, all the OP has to do is cash the cheque and keep all the money if he wants to?

 He may wish to gift some money to his ex as a payment "gesture"  for originating the complaint, but it actually sounds as if the ex planned to keep all the money herself but didn't count on the money being paid by cheque made out to her ex-husband...  

Of course, if the complaint has been fraudulently submitted with a forged signature then that opens up the possibility of a whole mess of problems for the ex when the Claim Company bill her...

dunstonh

Since the OP is already in possession of a cheque made out in his name , why would he need to have a new cheque sent to his address?
Sorry, I missed that bit.  I thought the ex-spouse had it.  If he has it then its job done as you say.

but it actually sounds as if the ex planned to keep all the money herself but didn't count on the money being paid by cheque made out to her ex-husband...  
That is my gut feeling too.