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ppi barclays woolwhich building society regected

edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance
3 replies 849 views
mazzzzaaamazzzzaaa Forumite
5 posts
First Post
MoneySaving Newbie
edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance
Hi all if anyone can help i would be grateful ,
I have put in a complaint with Barclays who initially said we did not have a mortgage with them ( Woolwich), from 1997 to 2002 ,after i insisted we did and gave the account number they then wrote to me to apologise and were investigating , this too over three months and finally got a reply saying no ppi, no records found. however after receiving my SAR data documents from them i was able to see my payments made
on the mortgage account , one for the mortgage and one for the insurance , these were payments made on the same day but under different headings t the WBC.
we already had a different house insurance seperate to this .
but also on a seperate document the mortgage summary is say "no insurance "?
this does not make sense to me as quite clearly there was payments made to WBS .
I do not have any paper work or documents except the SAR. as all lost sadly in a fire.
I have already complained to the ombudsman but that was prior to getting SAR documents. I wanted to send further info to the ombudsman but didn't know where to start to get more evidence.
1. Has anyone else had a issue like this and can shed any light on it .?
2. Can i get a copy of the document of the insurance policy linked to the mortgage, do Barclays keep micro film copies anywhere of the Woolwich accounts. ?
3. Did the Woolwich at this time attach ppi insurance to mortgages without customers knowledge ?
thank you appreciate any help

Replies

  • zx81zx81 Forumite
    28.3K posts
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
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    You can ask them what the insurance was for.

    PPI wasn't attached without customers knowledge as they would have to sign for it and would see it going out of their account each month.
  • mazzzzaaamazzzzaaa Forumite
    5 posts
    First Post
    MoneySaving Newbie
    thank you
    will ask them. and yes it was going out each month ,
    thanks you
  • [Deleted User][Deleted User]
    0 posts
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    MoneySaving Newbie
    mazzzzaaa wrote: »
    Did the Woolwich at this time attach ppi insurance to mortgages without customers knowledge ?
    The only way PPI could have been "attached" to your mortgage without your knowledge would be if you never listened to anything you were told during the sale of your mortgage and signed everything and anything without reading it. You would also have had to ignore a completely separate direct debit of PPI payment each month which would have therefore appeared on every one of your statements..
    If you fall into this category of customer then I suppose you could say it was added without your knowledge. However, this would not be a valid mis-selling complaint.

    Do realise also that PPI on mortgages is still retailed today, so it's not automatically somehow "wrong" to have an insurance policy.

    What you do have is more likely a Life and Critical Illness Policy, by the way...
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