PPI Reclaiming discussion Part II

mlucyminx

Thank you every one.

I will keep you posted on the outcome.

mlucyminx

marshallka wrote: »

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.

Thank you.

Like I said earlier you all give good solid advice and help.

:j

marshallka

maxdp wrote: »

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.

Our PPI was single accident, sickness and joint life. Yes that is a point there maxdp:D only one could have been covered for the insurance....

Well spotted :cool:

di3004

marshallka wrote: »

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..

Yes hun that's a thought ?
Did not think of that but yes your right.;)

And like you said not fair for the loan to be left to the one to pay off, in that case It should be then - that the one left paying for it should be the one entitled to the ppi, what do you think
I know it does not always work out that way but maybe ??

marshallka

mlucyminx wrote: »

Thank you.

Like I said earlier you all give good solid advice and help.

:j

Hope you saw the best advice here from maxdp in that the PPI only probably covered one person anyway...:cool:

You would have to check your agreement/application..

di3004

mlucyminx wrote: »

Thank you every one.

I will keep you posted on the outcome.

Maxdp has made an excellent discovery here and she is right.....:D , you and your O/H go for it and good luck !:beer: xx

marshallka

di3004 wrote: »

Yes hun that's a thought ?
Did not think of that but yes your right.;)

And like you said not fair for the loan to be left to the one to pay off, in that case It should be then - that the one left paying for it should be the one entitled to the ppi, what do you think
I know it does not always work out that way but maybe ??

In law if the PPI is joint then the loan was joint and any repayment back would be joint but if they are on speaking terms then out of kindness perhaps the other person would see that it is only one that should reep the reward. After all only one was left to pay it...

di3004

marshallka wrote: »

In law if the PPI is joint then the loan was joint and any repayment back would be joint but if they are on speaking terms then out of kindness perhaps the other person would see that it is only one that should reep the reward. After all only one was left to pay it...

Yes I totally agree.......:D .

mlucyminx

marshallka wrote: »

Hope you saw the best advice here from maxdp in that the PPI only probably covered one person anyway...:cool:

You would have to check your agreement/application..

Yes I am reading all your advice.

Im sure if he were to start the ball rolling he would discover one way or another.

He wasnt going to bother. said its too much hassle. I said well i will write all the letters. you just read em and sign em. I said with the amount of that loan its going to be a hell of a lot of ppi to come back. Also said I bet there was only you covered on the policy so would have been worthless if anything had happened to her.

di3004

mlucyminx wrote: »

Yes I am reading all your advice.

Im sure if he were to start the ball rolling he would discover one way or another.

He wasnt going to bother. said its too much hassle. I said well i will write all the letters. you just read em and sign em. I said with the amount of that loan its going to be a hell of a lot of ppi to come back. Also said I bet there was only you covered on the policy so would have been worthless if anything had happened to her.

I would certainly go for it, we had won a complaint against Nemo and even though we were joint, nemo did tend to send most correspondence to my hubby in his name alone, so no worries there I don't think.
If you don't try you will never know, so tell him to go and get em......:D .