PPI on a joint account loan

martinfwhyte

I have just received notification of a PPI refund on a loan on my joint account. As only I claimed they have said they will only pay 50% of the money due. Can my wife still claim the other 50% 

[Deleted User]

If your complaint was successful, then the other 50% will go to your wife.

martinfwhyte

The point is only I claimed, I didn't think about my wife claiming separately. As my claim is successful can she still make a claim even though the deadline has passed. 

[Deleted User]

Neither of you are making claims.  You made a complaint of mis selling which has been upheld.

Your wife needs to contact the bank to confirm details of receiving her 50%. 

dunstonh

The point is only I claimed, I didn't think about my wife claiming separately.

It doesn't need both of you to make the complaint.   All you need to do is inform the bank that the other party is your wife and you are still married and use the same joint account. So, they can make a full refund.

I suspect at the moment, the staff member thinks you are no longer together. (50% refund on separation/divorce is normal. Not on current marriage)

martinfwhyte

I found the bank helpline & they have confirmed she can be added to the refund and get her 50%

[Deleted User]

martinfwhyte said:

I found the bank helpline & they have confirmed she can be added to the refund and get her 50%

Yes, this should have been made plain to you from the outset. If this is a (now) closed account it sounds like they've simply assumed you have split from your wife and so only paid out on your individual share. 

Too late now (for you and others reading this), but what you should have done was make a joint complaint. 

Anyway, it's just a delay in the end...

rakes

Hi I received a ppi payment and was stopped approx. £850 tax the ppi payment was made out to me although the mortgage in question was in myself and my wife's names I want to reclaim the tax as we are both retired and nontaxpayers  do l claim the tax or does my wife have to make a separate claim can you advise me please cheers

rakes

Hi the ppi repayment was for a mortgage both myself and my wife had and the mortgage repayments were made out of a joint account but l think l only applied for the ppi repayment in my name so the cheque was made out to me will l be able to get a full refund on the tax

brettcta

You’ll be able to get a refund on your half of it