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    • howie94
    • By howie94 3rd Aug 18, 3:43 AM
    • 116Posts
    • 14Thanks
    howie94
    Nationwide PPI
    • #1
    • 3rd Aug 18, 3:43 AM
    Nationwide PPI 3rd Aug 18 at 3:43 AM
    Hi all,

    Ive submitted a PPI check with Nationwide and this is the reply they have come back with.


    Thank you for your enquiry about payment protection insurance with Nationwide or one of our subsidiaries.

    Ive checked our records based on the information provided (account number for mortgage) and can confirm we have no record of you taking out PPI policy with us,
    However if have any additional information or documentation send this in to me and Ill be happy to re-check our records.

    Is this the end of the line as Im curious of where they mention however any additional information.


    Kind regards in advance.
    Last edited by howie94; 03-08-2018 at 3:45 AM.
Page 1
    • -taff
    • By -taff 3rd Aug 18, 8:03 AM
    • 7,540 Posts
    • 5,640 Thanks
    -taff
    • #2
    • 3rd Aug 18, 8:03 AM
    • #2
    • 3rd Aug 18, 8:03 AM
    They mention addtional information in case you have some that they dont.
    If you don't believe them, send a SAR
    • Nasqueron
    • By Nasqueron 3rd Aug 18, 9:14 AM
    • 5,242 Posts
    • 3,175 Thanks
    Nasqueron
    • #3
    • 3rd Aug 18, 9:14 AM
    • #3
    • 3rd Aug 18, 9:14 AM
    Hi all,

    Ive submitted a PPI check with Nationwide and this is the reply they have come back with.


    Thank you for your enquiry about payment protection insurance with Nationwide or one of our subsidiaries.

    Ive checked our records based on the information provided (account number for mortgage) and can confirm we have no record of you taking out PPI policy with us,
    However if have any additional information or documentation send this in to me and Ill be happy to re-check our records.

    Is this the end of the line as Im curious of where they mention however any additional information.


    Kind regards in advance.
    Originally posted by howie94
    Did you get the policy direct from Nationwide or from a broker/IFA? When was the mortgage taken out?

    There is a good chance that, if you had a policy, it was arranged with another provider which Nationwide do not know about and have no responsibility for.

    If it helps your worries, the vast majority of MPPI complaints are rejected at the FOS because it's a good product to have that can protect your home. You'd need a very good reason to say it was miss-sold
    • dunstonh
    • By dunstonh 3rd Aug 18, 11:01 AM
    • 93,903 Posts
    • 61,685 Thanks
    dunstonh
    • #4
    • 3rd Aug 18, 11:01 AM
    • #4
    • 3rd Aug 18, 11:01 AM
    Is this the end of the line as Im curious of where they mention however any additional information.
    Banks and building societies are required to destroy data over time. So, they are saying they can find no record of you having PPI through them. It may be that records no longer exist. So, you could have had it but they can find nothing. Hence why they ask you if anything.

    Most lenders have data going back to the early 90s.
    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.
    • Scottish Princess
    • By Scottish Princess 8th Aug 18, 6:40 AM
    • 52 Posts
    • 11 Thanks
    Scottish Princess
    • #5
    • 8th Aug 18, 6:40 AM
    Nationwide PPI
    • #5
    • 8th Aug 18, 6:40 AM
    I got that letter too after sending in a claim, then a few days later got another letter telling me because my claim dates back to 1995, they have no paperwork and asking me to provide any other details I had and send them in the pre paid envelope provided. When I rang to clarify over the phone, they couldnít find any such letter online? So Iíve sent off all my paperwork I still have.
    Just write to them again and quote all the policy numbers and info you have.
    • Nasqueron
    • By Nasqueron 8th Aug 18, 11:49 AM
    • 5,242 Posts
    • 3,175 Thanks
    Nasqueron
    • #6
    • 8th Aug 18, 11:49 AM
    • #6
    • 8th Aug 18, 11:49 AM
    I got that letter too after sending in a claim, then a few days later got another letter telling me because my claim dates back to 1995, they have no paperwork and asking me to provide any other details I had and send them in the pre paid envelope provided. When I rang to clarify over the phone, they couldnít find any such letter online? So Iíve sent off all my paperwork I still have.
    Just write to them again and quote all the policy numbers and info you have.
    Originally posted by Scottish Princess

    Do note that as per points above, you may not have had a PPI policy with Nationwide but rather another provider, it's not uncommon to do so. Similarly you may have had life insurance or another product like PHI which are completely different.
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