ppi payment for partner

lucinad
lucinad Posts: 5,274 Forumite
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in Reclaim PPI & other insurance
12 years ago we (myself and my partner) took out 2 loans in a joint account, as we approached august i though i would try and see whether we were due our ppi back as ppi was never mentioned and for the second loan my partner had lost his job, so was useless.
so i filled in the forms but only put my name on it, ive received a 2 letters for both the loans ppi and have got a 50% refund + interest (50% as i am only entitled to 1/2 of the refund) but as the deadline has ended does that mean he cant claim his 1/2? even though the bank knows he is entitled to it.
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Comments

  • MovingForwards
    MovingForwards Posts: 16,907 Forumite
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    Yup, he lost out.
    Mortgage started 2020, aiming to clear it in 2026.
  • brettcta
    brettcta Posts: 4,693 Forumite
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    Not necessarily no - some banks (including where I work) will pay out to the other party even now. It’s worth them contacting the lender and talking to them.
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • lucinad
    lucinad Posts: 5,274 Forumite
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    brettcta wrote: »
    Not necessarily no - some banks (including where I work) will pay out to the other party even now. It’s worth them contacting the lender and talking to them.

    thank you Brettcta, it is definitely worth a try do you have any advice how to go about contacting them, email/letter/phone/twitterchat!? lol
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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Any except twitter. Lol.
  • lucinad
    lucinad Posts: 5,274 Forumite
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    Ha ha yeah didn't think so! :rotfl:
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  • brettcta
    brettcta Posts: 4,693 Forumite
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    Phone will usually do it. You could try smoke signals.
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • ElizSinky
    ElizSinky Posts: 2 Newbie
    lucinad wrote: »
    12 years ago we (myself and my partner) took out 2 loans in a joint account, as we approached august i though i would try and see whether we were due our ppi back as ppi was never mentioned and for the second loan my partner had lost his job, so was useless.
    so i filled in the forms but only put my name on it, ive received a 2 letters for both the loans ppi and have got a 50% refund + interest (50% as i am only entitled to 1/2 of the refund) but as the deadline has ended does that mean he cant claim his 1/2? even though the bank knows he is entitled to it.

    Hi, This has happened to myself and partner, did you have any luck ?
  • lucinad
    lucinad Posts: 5,274 Forumite
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    I'm waiting to hear back i didn't query it straight away. It's worth a try, better than doing nothing. I would have thought legally they have admitted miselling ppi on both 50%s so surely the other 50% has already been allocated, but not yet claimed.
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  • ElizSinky
    ElizSinky Posts: 2 Newbie
    lucinad wrote: »
    I'm waiting to hear back i didn't query it straight away. It's worth a try, better than doing nothing. I would have thought legally they have admitted miselling ppi on both 50%s so surely the other 50% has already been allocated, but not yet claimed.
    Thanks for the reply, Yes I have just done a letter to post off so fingers crossed, good luck.
  • societys_child
    societys_child Posts: 7,110 Forumite
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    lucinad wrote: »
    . . so surely the other 50% has already been allocated, but not yet claimed.
    Nothing is "allocated".

    That's claims company lies!
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