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  • FIRST POST
    • Confused of Clacton
    • By Confused of Clacton 11th Jul 19, 4:22 PM
    • 5Posts
    • 0Thanks
    Confused of Clacton
    Struggling to find info
    • #1
    • 11th Jul 19, 4:22 PM
    Struggling to find info 11th Jul 19 at 4:22 PM
    I am struggling to find out if I can claim for PPI, as I actually paid off my mortgage in early 2018 (January, or February).
    I cannot find any information concerning if i qualify, or not.
    Can you advise, please?
Page 1
    • foxtrotoscar
    • By foxtrotoscar 11th Jul 19, 4:29 PM
    • 1,347 Posts
    • 2,082 Thanks
    foxtrotoscar
    • #2
    • 11th Jul 19, 4:29 PM
    • #2
    • 11th Jul 19, 4:29 PM
    Did you have PPI?
    • SonOf
    • By SonOf 11th Jul 19, 4:47 PM
    • 700 Posts
    • 841 Thanks
    SonOf
    • #3
    • 11th Jul 19, 4:47 PM
    • #3
    • 11th Jul 19, 4:47 PM
    If you didnt pay any PPI then there is nothing to complain about (there may not be a reason to complain if you even paid it)

    Most MPPI was paid with a separate direct debit from your bank account. So, were you paying a direct debit to an MPPI provider?
    • Confused of Clacton
    • By Confused of Clacton 11th Jul 19, 5:23 PM
    • 5 Posts
    • 0 Thanks
    Confused of Clacton
    • #4
    • 11th Jul 19, 5:23 PM
    • #4
    • 11th Jul 19, 5:23 PM
    We definitely had a mortgage protection policy, as the bank insisted on us having it. We took the mortgage out in 1987 and paid it off in 2018.
    • SonOf
    • By SonOf 11th Jul 19, 8:20 PM
    • 700 Posts
    • 841 Thanks
    SonOf
    • #5
    • 11th Jul 19, 8:20 PM
    • #5
    • 11th Jul 19, 8:20 PM
    We definitely had a mortgage protection policy, as the bank insisted on us having it. We took the mortgage out in 1987 and paid it off in 2018.
    Originally posted by Confused of Clacton
    A mortgage protection policy is a term that also covers life assurance. Sometimes, it even was used in reference to MIG (high loan to valuation charge).

    So, were you paying MPPI or life assurance or MIG?
    • Confused of Clacton
    • By Confused of Clacton 11th Jul 19, 9:08 PM
    • 5 Posts
    • 0 Thanks
    Confused of Clacton
    • #6
    • 11th Jul 19, 9:08 PM
    • #6
    • 11th Jul 19, 9:08 PM
    Mortgage payment protection. If we lost our jobs we could claim payment protection.
    • antrobus
    • By antrobus 11th Jul 19, 9:34 PM
    • 16,751 Posts
    • 23,726 Thanks
    antrobus
    • #7
    • 11th Jul 19, 9:34 PM
    • #7
    • 11th Jul 19, 9:34 PM
    There are no qualifications as such. You complain that you were mis-sold this 'mortgage payment protection' way back in 1987.

    Do you think it was mis-sold?
    • Moneyineptitude
    • By Moneyineptitude 11th Jul 19, 9:54 PM
    • 24,339 Posts
    • 13,838 Thanks
    Moneyineptitude
    • #8
    • 11th Jul 19, 9:54 PM
    • #8
    • 11th Jul 19, 9:54 PM
    I cannot find any information concerning if i qualify, or not.
    Originally posted by Confused of Clacton
    No one "qualifies" to make a complaint about insurance.

    If you feel you were mis-sold, make your case to the Bank and, if they agree with what you put forward, you will be refunded.

    It's not somehow automatically "wrong" to have insurance, though. What complaint reasons do you have?
    • Confused of Clacton
    • By Confused of Clacton 11th Jul 19, 10:42 PM
    • 5 Posts
    • 0 Thanks
    Confused of Clacton
    • #9
    • 11th Jul 19, 10:42 PM
    • #9
    • 11th Jul 19, 10:42 PM
    I feel like I've entered a multiple question quiz! We knew we were paying for mortgage protection, as we couldn't get a mortgage unless we agreed to the banks terms.
    Does mortgage protection come under the terms of PPI?
    If 'yes', does the fact that we paid off the mortgage in early 2018 negate us from claiming back PPI?
    I am not technical. I have had 9 mini-strokes (post mortgage), and do not understand whether the encouragement of people to claim before the deadline, applies to me, or not.
    • Moneyineptitude
    • By Moneyineptitude 11th Jul 19, 11:25 PM
    • 24,339 Posts
    • 13,838 Thanks
    Moneyineptitude
    I am not technical. I have had 9 mini-strokes (post mortgage), and do not understand whether the encouragement of people to claim before the deadline, applies to me, or not.
    Originally posted by Confused of Clacton
    In your situation, I'd go to the Citizen's Advice Bureau and attempt to explain your dilemma. Hopefully, someone there will be able to explain it to you (and won't charge for the service).

    Under no circumstance should you approach a Claims Company...
    • Confused of Clacton
    • By Confused of Clacton 12th Jul 19, 9:17 AM
    • 5 Posts
    • 0 Thanks
    Confused of Clacton
    Thank you. I will ask CAB.
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