Multiple PPI with the same bank

mk2cav
mk2cav Posts: 3 Newbie
First Anniversary
in Reclaim bank & credit card charges
I have found 4 PPI schedules that I had with the same bank over 8 years. Do I make a claim for each one, or 1 claim against the bank.

3 of them were on 1 house and 1 was after I moved to a new property.

Thanks

Comments

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    mk2cav wrote: »
    I have found 4 PPI schedules that I had with the same bank over 8 years. Do I make a claim for each one, or 1 claim against the bank.
    Did you actually pay these "schedules" though?

    Regardless, you have to make separate complaints for each policy irrespective of them being sold by the same bank.

    What are your complaint reasons?
  • mk2cav
    mk2cav Posts: 3 Newbie
    First Anniversary
    We were told we had to take it to get the mortgage. We were not offered any choice in ppi suppliers. One of the policy's was sold to me when I was a full time student. I know I look like an idiot.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    mk2cav wrote: »
    We were told we had to take it to get the mortgage.
    Not unusual for mortgages
    mk2cav wrote: »
    We were not offered any choice in ppi suppliers.
    Why should you be?
    mk2cav wrote: »
    One of the policy's was sold to me when I was a full time student.
    Seems to be the only one mis-sold then.

    Did you actually pay these "schedules" though?
  • dunstonh
    dunstonh Posts: 116,357 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    We were told we had to take it to get the mortgage.

    Some mortgage deals did require it.
    Some mortgage brokers/advisers require you to buy insurance with them to get free mortgage advice.

    Both of those are allowed.

    If you were lied to then that is a missale reason but its also one of the weakest complaints going and very few get upheld on that basis.
    We were not offered any choice in ppi suppliers.

    There has never been any rule requiring that.
    One of the policy's was sold to me when I was a full time student.

    That one has a strong complaint reason. Others need a bit of work.
    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.
  • mk2cav
    mk2cav Posts: 3 Newbie
    First Anniversary
    Yes, I paid for all the schedules, in fact because the first one was sold to us before we were married they had us take 2 seperate PPI policies.
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