PPI Reclaiming discussion Part II

mlucyminx

marshallka wrote: »

Arhhh thanks mlucyminx, I will be on pins now waiting but at least I am getting a fair hearing...

With all the help and advice you give you deserve a break and you deserve to win this:j :j :j :j :j

marshallka

mlucyminx wrote: »

Hi Di and max,

Can I pick your brains please.

My fella used to be somene else's fella (before I got with him I might add)

They got a secured loan through Nemo. It was a joint loan and was for an awful lot of money.

He was left with the entire debt when they split up.

My question is this.

Does he need both of them to complain about the mis selling of ppi or can he do it?

sorry for butting in here, if this is joint then yes you would need to do this joint with the ex:eek:

marshallka

mlucyminx wrote: »

With all the help and advice you give you deserve a break and you deserve to win this:j :j :j :j :j

not the advice you are wanting though in my post before:eek:

marshallka

di3004 wrote: »

Yes I sent the agreement in with the application form....... , I am going to try to ring again shortly, that number they have given its either busy or no answer .......:mad: , will try again though, but meanwhile I have emailed them to tell them that we do not get provided with a insurance certificate where Norwich Union was the insurer and explained the loan and ppi was bundled together as shown on the agreement I already supplied them with...... .

I think they have lost some of the documents, because why did they not request for this on the last request for information ?:rolleyes:

Have you sent them the breakdown figure...

mlucyminx

marshallka wrote: »

sorry for butting in here, if this is joint then yes you would need to do this joint with the ex:eek:

Thanks for that.

And I don't feel you were butting in.

I would have put your name too but your green light wasn't lit up lol

di3004

mlucyminx wrote: »

Hi Di and max,

Can I pick your brains please.

My fella used to be somene else's fella (before I got with him I might add)

They got a secured loan through Nemo. It was a joint loan and was for an awful lot of money.

He was left with the entire debt when they split up.

My question is this.

Does he need both of them to complain about the mis selling of ppi or can he do it?

Hi there hunni

Now if this was joint loan where they both signed for it then I assumed its the responsibility of them both, down the middle then.

I would contact the advice bureau about this because it should not just be one sided.

That is my opinion anyway.

Arrangements can be made for both to meet half way here, I'm sure this can be done.;)

I hope this resolves and I am wishing you luck.
Please let us know how you get on hun, thanks.
Di.
x

maxdp

mlucyminx wrote: »

Hi Di and max,

Can I pick your brains please.

My fella used to be somene else's fella (before I got with him I might add)

They got a secured loan through Nemo. It was a joint loan and was for an awful lot of money.

He was left with the entire debt when they split up.

My question is this.

Does he need both of them to complain about the mis selling of ppi or can he do it?

Hi There

I think you will find that you would both have to agree if the Loan was in both names, although the PPI would probably only have covered your fella (who used to be with anuvver:eek:).

Is the PPI big enough to share mind you if it is through NEMO it is probably large and is he on friendly terms at all to discuss with her.

mlucyminx

marshallka wrote: »

not the advice you are wanting though in my post before:eek:

Not at all.

It ws still helpful advice. And its their money not mine lol
i didnt pay the bill. Like I said before my time.

di3004

marshallka wrote: »

Have you sent them the breakdown figure...

No not sent that but the agreement and did ask if they wanted the breakdown, they said not because they investigate this through the company...... , next time now I bet they will though.......:rolleyes:

marshallka

di3004 wrote: »

Hi there hunni

Now if this was joint loan where they both signed for it then I assumed its the responsibility of them both, down the middle then.

I would contact the advice bureau about this because it should not just be one sided.

That is my opinion anyway.

Arrangements can be made for both to meet half way here, I'm sure this can be done.;)

I hope this resolves and I am wishing you luck.
Please let us know how you get on hun, thanks.
Di.
x

Di, I have seen this question before on here and it is joint and both need to sign etc... If you request a SAR then the sar will only include things for one person if the other has not signed. It is the same with the loan/ppi thing. If you won you and the loan was joint then you would both need to apply your signatures of acceptance. One can sign for all the other stuff but to receive the money its both to sign. It is rough when only one has continued the loan though..