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  • FIRST POST
    • paulchin
    • By paulchin 8th May 18, 3:48 PM
    • 3Posts
    • 0Thanks
    paulchin
    Old C&G mortgage PPI
    • #1
    • 8th May 18, 3:48 PM
    Old C&G mortgage PPI 8th May 18 at 3:48 PM
    Hi, one more before I give up on old PPI claims completely

    I had my first (C&G) mortgage via Lloyds Bank back in 1996, and was "sold" a free year of PPI, so that started in Oct 1997.

    However, we moved house in Sept 1997, and in late 1999 I got a letter telling me (very honestly I thought) that since we'd moved but the PPI provider (ITT London & Edinburgh) weren't made aware, the policy wouldn't have covered me in the event of a claim.

    The letter included a rather nice cheque for all the premiums I'd ever paid (as we'd moved the month before I started paying for it), so I'm pretty sure got back everything I'd ever given them.

    I would have thought in this case, there is simply no case to answer, as I'm not out of pocket, having accepted the refund in full back then?

    I think I know the answer, but just thought I'd check in case others have a different view!

    Thanks,
Page 1
    • Moneyineptitude
    • By Moneyineptitude 8th May 18, 3:51 PM
    • 22,465 Posts
    • 12,019 Thanks
    Moneyineptitude
    • #2
    • 8th May 18, 3:51 PM
    • #2
    • 8th May 18, 3:51 PM
    I think I know the answer
    Originally posted by paulchin
    You do indeed.
    • dunstonh
    • By dunstonh 8th May 18, 4:54 PM
    • 95,754 Posts
    • 63,452 Thanks
    dunstonh
    • #3
    • 8th May 18, 4:54 PM
    • #3
    • 8th May 18, 4:54 PM
    If you have already been refunded then there is nothing to be refunded.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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