We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
I have since found details.
Ali1Arber
Posts: 6 Forumite
I applied to two companies I had mortgages with and they both replied they needed more details, so no further action was taken. At the time I could not find any, however since I have found both of them. Am I still able to proceed with this claim without going to court ?
Thank you.
0
Comments
-
You could ask them if they will reopen the complaint.
I can't think under what circumstances you would want to go to court, unless you simply want a day out.2 -
The deadline has long since passed, they may use that as an excuse not to look at it again.
The best you can do is write to them, enclosing copies of your evidence, and see if they will re-open your complaint.
You don`t give any timescales in your post, if its been longer than 6 months its unlikely they will do anything.
However its not really an issue you can deal with via the court system.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Is the evidence proof of payment of MPPI or proof of mortgage? If the latter, then it is unlikely to help as most MPPI sold by lenders was not built into the mortgage but standalone with its own direct debit.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
-
What would you go to court for? Having PPI is not illegal, nor is selling it. Indeed, MPPI is a good thing, it can save your home if you lost your job as an example. Court burden of proof is a lot higher too.Further, even just having proof you had PPI is not some sort of golden ticket for a refund - you need to show why you feel it was miss-sold and what evidence you have to support that. Remember on a 25 year mortgage, even having something like NHS sick pay isn't a winning reason for an MPPI complaint.On top of that, you would have to complain to the seller - the company providing the mortgage didn't necessarily sell the MPPI either.e.g. if you used a mortgage broker, unless the person who sold it worked for the provider. If it was pre-2005 then you'd be out of luck anyway.You are free to write to them and offer them this evidence you have and they may accept it, they may not depending on whether they sold the PPI cover. Proving you were miss-sold and eligible for a refund seems like an uphill task to me.
3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.8K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.8K Work, Benefits & Business
- 600.2K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards